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$394,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,682
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,398
−HK$726/mo
Today · 4.125%
HK$28,124
baseline
▲ 0.50% · 4.625%
HK$29,606
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,248/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,781
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,676
−HK$910/mo
Today · 4.125%
HK$30,586
baseline
▲ 0.50% · 4.625%
HK$32,447
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,172/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,019
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,877
−HK$872/mo
Today · 4.125%
HK$33,749
baseline
▲ 0.50% · 4.625%
HK$35,528
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,498/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,578
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,622
−HK$1,062/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,855
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,355
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,357
−HK$1,016/mo
Today · 4.125%
HK$39,373
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,076/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$394,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,172
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,515
−HK$1,364/mo
Today · 4.125%
HK$45,879
baseline
▲ 0.50% · 4.625%
HK$48,671
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,758/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,028
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,316
−HK$1,307/mo
Today · 4.125%
HK$50,623
baseline
▲ 0.50% · 4.625%
HK$53,291
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,246/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,434 · Scale 2, in force from 26 Feb 2026)