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$23,966
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,712
−HK$757/mo
Today · 4.125%
HK$25,469
baseline
▲ 0.50% · 4.625%
HK$27,019
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,938/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,662
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,378
−HK$725/mo
Today · 4.125%
HK$28,103
baseline
▲ 0.50% · 4.625%
HK$29,584
+HK$1,481/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,206/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,760
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,654
−HK$909/mo
Today · 4.125%
HK$30,563
baseline
▲ 0.50% · 4.625%
HK$32,423
+HK$1,860/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,126/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,995
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,853
−HK$871/mo
Today · 4.125%
HK$33,724
baseline
▲ 0.50% · 4.625%
HK$35,501
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,448/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,553
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,597
−HK$1,060/mo
Today · 4.125%
HK$35,657
baseline
▲ 0.50% · 4.625%
HK$37,827
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,314/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,327
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,329
−HK$1,015/mo
Today · 4.125%
HK$39,344
baseline
▲ 0.50% · 4.625%
HK$41,418
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,688/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,140
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,482
−HK$1,363/mo
Today · 4.125%
HK$45,845
baseline
▲ 0.50% · 4.625%
HK$48,634
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,690/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,992
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,280
−HK$1,305/mo
Today · 4.125%
HK$50,585
baseline
▲ 0.50% · 4.625%
HK$53,252
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,170/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,142 · Scale 2, in force from 26 Feb 2026)