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$23,986
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$758/mo
Today · 4.125%
HK$25,490
baseline
▲ 0.50% · 4.625%
HK$27,041
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,980/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,684
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,400
−HK$726/mo
Today · 4.125%
HK$28,126
baseline
▲ 0.50% · 4.625%
HK$29,608
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,252/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,783
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,679
−HK$909/mo
Today · 4.125%
HK$30,588
baseline
▲ 0.50% · 4.625%
HK$32,449
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,176/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,021
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,880
−HK$871/mo
Today · 4.125%
HK$33,751
baseline
▲ 0.50% · 4.625%
HK$35,530
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,502/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,580
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$1,061/mo
Today · 4.125%
HK$35,686
baseline
▲ 0.50% · 4.625%
HK$37,858
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,372/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,358
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,360
−HK$1,016/mo
Today · 4.125%
HK$39,376
baseline
▲ 0.50% · 4.625%
HK$41,452
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,752/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,175
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,518
−HK$1,364/mo
Today · 4.125%
HK$45,882
baseline
▲ 0.50% · 4.625%
HK$48,674
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,764/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,032
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,320
−HK$1,307/mo
Today · 4.125%
HK$50,627
baseline
▲ 0.50% · 4.625%
HK$53,295
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,254/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,464 · Scale 2, in force from 26 Feb 2026)