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$24,015
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,762
−HK$759/mo
Today · 4.125%
HK$25,521
baseline
▲ 0.50% · 4.625%
HK$27,073
+HK$1,552/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,042/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,716
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,433
−HK$726/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,644
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,714
−HK$911/mo
Today · 4.125%
HK$30,625
baseline
▲ 0.50% · 4.625%
HK$32,488
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,250/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,059
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,919
−HK$872/mo
Today · 4.125%
HK$33,791
baseline
▲ 0.50% · 4.625%
HK$35,573
+HK$1,782/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,582/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,620
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,666
−HK$1,063/mo
Today · 4.125%
HK$35,729
baseline
▲ 0.50% · 4.625%
HK$37,903
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,458/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,402
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,406
−HK$1,017/mo
Today · 4.125%
HK$39,423
baseline
▲ 0.50% · 4.625%
HK$41,501
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,846/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,226
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,571
−HK$1,366/mo
Today · 4.125%
HK$45,937
baseline
▲ 0.50% · 4.625%
HK$48,732
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,874/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,089
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,379
−HK$1,308/mo
Today · 4.125%
HK$50,687
baseline
▲ 0.50% · 4.625%
HK$53,359
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,374/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,934 · Scale 2, in force from 26 Feb 2026)