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$23,976
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$758/mo
Today · 4.125%
HK$25,480
baseline
▲ 0.50% · 4.625%
HK$27,030
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,960/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,673
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$726/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,596
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,228/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$909/mo
Today · 4.125%
HK$30,575
baseline
▲ 0.50% · 4.625%
HK$32,436
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,150/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,866
−HK$871/mo
Today · 4.125%
HK$33,737
baseline
▲ 0.50% · 4.625%
HK$35,515
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,474/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,566
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,611
−HK$1,060/mo
Today · 4.125%
HK$35,671
baseline
▲ 0.50% · 4.625%
HK$37,842
+HK$2,171/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,342/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,342
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,344
−HK$1,016/mo
Today · 4.125%
HK$39,360
baseline
▲ 0.50% · 4.625%
HK$41,435
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,720/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,157
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,499
−HK$1,364/mo
Today · 4.125%
HK$45,863
baseline
▲ 0.50% · 4.625%
HK$48,654
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,726/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,012
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,299
−HK$1,306/mo
Today · 4.125%
HK$50,605
baseline
▲ 0.50% · 4.625%
HK$53,273
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,210/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,299 · Scale 2, in force from 26 Feb 2026)