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$23,989
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,735
−HK$758/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$27,044
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,687
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,403
−HK$726/mo
Today · 4.125%
HK$28,129
baseline
▲ 0.50% · 4.625%
HK$29,612
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,258/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,787
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,682
−HK$910/mo
Today · 4.125%
HK$30,592
baseline
▲ 0.50% · 4.625%
HK$32,453
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,184/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,025
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,884
−HK$871/mo
Today · 4.125%
HK$33,755
baseline
▲ 0.50% · 4.625%
HK$35,534
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,510/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,584
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,629
−HK$1,061/mo
Today · 4.125%
HK$35,690
baseline
▲ 0.50% · 4.625%
HK$37,862
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,380/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,362
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,364
−HK$1,017/mo
Today · 4.125%
HK$39,381
baseline
▲ 0.50% · 4.625%
HK$41,457
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,762/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,180
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,523
−HK$1,365/mo
Today · 4.125%
HK$45,888
baseline
▲ 0.50% · 4.625%
HK$48,680
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,776/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,037
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,325
−HK$1,307/mo
Today · 4.125%
HK$50,632
baseline
▲ 0.50% · 4.625%
HK$53,301
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,264/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,508 · Scale 2, in force from 26 Feb 2026)