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$23,984
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,730
−HK$758/mo
Today · 4.125%
HK$25,488
baseline
▲ 0.50% · 4.625%
HK$27,039
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,976/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,682
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,397
−HK$726/mo
Today · 4.125%
HK$28,123
baseline
▲ 0.50% · 4.625%
HK$29,606
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,246/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,781
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,676
−HK$909/mo
Today · 4.125%
HK$30,585
baseline
▲ 0.50% · 4.625%
HK$32,446
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,170/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,018
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,877
−HK$871/mo
Today · 4.125%
HK$33,748
baseline
▲ 0.50% · 4.625%
HK$35,527
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,496/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,577
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,622
−HK$1,061/mo
Today · 4.125%
HK$35,683
baseline
▲ 0.50% · 4.625%
HK$37,854
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,366/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,354
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,356
−HK$1,017/mo
Today · 4.125%
HK$39,373
baseline
▲ 0.50% · 4.625%
HK$41,448
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,746/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,171
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,514
−HK$1,364/mo
Today · 4.125%
HK$45,878
baseline
▲ 0.50% · 4.625%
HK$48,670
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,756/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,027
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,315
−HK$1,307/mo
Today · 4.125%
HK$50,622
baseline
▲ 0.50% · 4.625%
HK$53,290
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,244/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,426 · Scale 2, in force from 26 Feb 2026)