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$23,969
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,715
−HK$757/mo
Today · 4.125%
HK$25,472
baseline
▲ 0.50% · 4.625%
HK$27,022
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,944/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,665
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,381
−HK$725/mo
Today · 4.125%
HK$28,106
baseline
▲ 0.50% · 4.625%
HK$29,588
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,212/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,763
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,658
−HK$909/mo
Today · 4.125%
HK$30,567
baseline
▲ 0.50% · 4.625%
HK$32,427
+HK$1,860/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,134/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,998
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,857
−HK$870/mo
Today · 4.125%
HK$33,727
baseline
▲ 0.50% · 4.625%
HK$35,505
+HK$1,778/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,454/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,557
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,601
−HK$1,060/mo
Today · 4.125%
HK$35,661
baseline
▲ 0.50% · 4.625%
HK$37,831
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,322/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,332
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,333
−HK$1,015/mo
Today · 4.125%
HK$39,348
baseline
▲ 0.50% · 4.625%
HK$41,423
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,696/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,144
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,486
−HK$1,364/mo
Today · 4.125%
HK$45,850
baseline
▲ 0.50% · 4.625%
HK$48,640
+HK$2,790/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,700/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,998
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,285
−HK$1,306/mo
Today · 4.125%
HK$50,591
baseline
▲ 0.50% · 4.625%
HK$53,258
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,182/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,185 · Scale 2, in force from 26 Feb 2026)