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$1,505/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$759/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,685
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,400
−HK$726/mo
Today · 4.125%
HK$28,126
baseline
▲ 0.50% · 4.625%
HK$29,609
+HK$1,483/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$394,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,784
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,679
−HK$910/mo
Today · 4.125%
HK$30,589
baseline
▲ 0.50% · 4.625%
HK$32,450
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,178/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,022
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,880
−HK$872/mo
Today · 4.125%
HK$33,752
baseline
▲ 0.50% · 4.625%
HK$35,531
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,504/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,581
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$1,062/mo
Today · 4.125%
HK$35,687
baseline
▲ 0.50% · 4.625%
HK$37,858
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,374/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,358
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,360
−HK$1,017/mo
Today · 4.125%
HK$39,377
baseline
▲ 0.50% · 4.625%
HK$41,452
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,754/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,175
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,518
−HK$1,365/mo
Today · 4.125%
HK$45,883
baseline
▲ 0.50% · 4.625%
HK$48,675
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,766/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,469 · 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$53,296
+HK$2,669/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$394,469 · Scale 2, in force from 26 Feb 2026)