The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,008
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,755
−HK$758/mo
Today · 4.125%
HK$25,513
baseline
▲ 0.50% · 4.625%
HK$27,066
+HK$1,553/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,026/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,709
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,425
−HK$726/mo
Today · 4.125%
HK$28,151
baseline
▲ 0.50% · 4.625%
HK$29,635
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,302/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,809
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$910/mo
Today · 4.125%
HK$30,616
baseline
▲ 0.50% · 4.625%
HK$32,479
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,232/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,050
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,910
−HK$872/mo
Today · 4.125%
HK$33,782
baseline
▲ 0.50% · 4.625%
HK$35,562
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,564/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,611
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,657
−HK$1,062/mo
Today · 4.125%
HK$35,719
baseline
▲ 0.50% · 4.625%
HK$37,892
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,438/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,392
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,395
−HK$1,017/mo
Today · 4.125%
HK$39,412
baseline
▲ 0.50% · 4.625%
HK$41,490
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,824/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,214
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,558
−HK$1,366/mo
Today · 4.125%
HK$45,924
baseline
▲ 0.50% · 4.625%
HK$48,718
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,848/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,075
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,365
−HK$1,308/mo
Today · 4.125%
HK$50,673
baseline
▲ 0.50% · 4.625%
HK$53,344
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,346/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,822 · Scale 2, in force from 26 Feb 2026)