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$23,991
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,737
−HK$758/mo
Today · 4.125%
HK$25,495
baseline
▲ 0.50% · 4.625%
HK$27,046
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,990/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,689
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,405
−HK$726/mo
Today · 4.125%
HK$28,131
baseline
▲ 0.50% · 4.625%
HK$29,614
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,262/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,789
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,684
−HK$910/mo
Today · 4.125%
HK$30,594
baseline
▲ 0.50% · 4.625%
HK$32,456
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,188/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,027
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,886
−HK$872/mo
Today · 4.125%
HK$33,758
baseline
▲ 0.50% · 4.625%
HK$35,537
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,516/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,587
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,632
−HK$1,061/mo
Today · 4.125%
HK$35,693
baseline
▲ 0.50% · 4.625%
HK$37,865
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,386/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,365
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,367
−HK$1,017/mo
Today · 4.125%
HK$39,384
baseline
▲ 0.50% · 4.625%
HK$41,460
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,768/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,183
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,526
−HK$1,365/mo
Today · 4.125%
HK$45,891
baseline
▲ 0.50% · 4.625%
HK$48,684
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,782/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,041
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,329
−HK$1,307/mo
Today · 4.125%
HK$50,636
baseline
▲ 0.50% · 4.625%
HK$53,306
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,272/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,540 · Scale 2, in force from 26 Feb 2026)