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$24,002
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$758/mo
Today · 4.125%
HK$25,507
baseline
▲ 0.50% · 4.625%
HK$27,059
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,014/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,702
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,418
−HK$727/mo
Today · 4.125%
HK$28,145
baseline
▲ 0.50% · 4.625%
HK$29,628
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,290/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,802
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,698
−HK$911/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,471
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,042
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,902
−HK$872/mo
Today · 4.125%
HK$33,774
baseline
▲ 0.50% · 4.625%
HK$35,554
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,548/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,603
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,648
−HK$1,062/mo
Today · 4.125%
HK$35,710
baseline
▲ 0.50% · 4.625%
HK$37,883
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,420/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,383
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,385
−HK$1,017/mo
Today · 4.125%
HK$39,402
baseline
▲ 0.50% · 4.625%
HK$41,479
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,804/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,204
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,548
−HK$1,365/mo
Today · 4.125%
HK$45,913
baseline
▲ 0.50% · 4.625%
HK$48,707
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,826/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,064
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,353
−HK$1,307/mo
Today · 4.125%
HK$50,660
baseline
▲ 0.50% · 4.625%
HK$53,331
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,320/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,726 · Scale 2, in force from 26 Feb 2026)