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$23,997
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,744
−HK$758/mo
Today · 4.125%
HK$25,502
baseline
▲ 0.50% · 4.625%
HK$27,054
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,004/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,697
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,413
−HK$726/mo
Today · 4.125%
HK$28,139
baseline
▲ 0.50% · 4.625%
HK$29,623
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,278/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,797
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,693
−HK$910/mo
Today · 4.125%
HK$30,603
baseline
▲ 0.50% · 4.625%
HK$32,465
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,206/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,036
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,896
−HK$871/mo
Today · 4.125%
HK$33,767
baseline
▲ 0.50% · 4.625%
HK$35,547
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,534/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,596
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,641
−HK$1,062/mo
Today · 4.125%
HK$35,703
baseline
▲ 0.50% · 4.625%
HK$37,876
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,406/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,376
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,378
−HK$1,017/mo
Today · 4.125%
HK$39,395
baseline
▲ 0.50% · 4.625%
HK$41,472
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,790/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,195
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,539
−HK$1,365/mo
Today · 4.125%
HK$45,904
baseline
▲ 0.50% · 4.625%
HK$48,697
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,808/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,054
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,343
−HK$1,308/mo
Today · 4.125%
HK$50,651
baseline
▲ 0.50% · 4.625%
HK$53,321
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,302/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,651 · Scale 2, in force from 26 Feb 2026)