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$23,970
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,716
−HK$757/mo
Today · 4.125%
HK$25,473
baseline
▲ 0.50% · 4.625%
HK$27,023
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,946/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,667
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,382
−HK$725/mo
Today · 4.125%
HK$28,107
baseline
▲ 0.50% · 4.625%
HK$29,589
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,214/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,764
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,659
−HK$909/mo
Today · 4.125%
HK$30,568
baseline
▲ 0.50% · 4.625%
HK$32,428
+HK$1,860/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,136/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,000
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,858
−HK$871/mo
Today · 4.125%
HK$33,729
baseline
▲ 0.50% · 4.625%
HK$35,507
+HK$1,778/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,458/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,558
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,602
−HK$1,061/mo
Today · 4.125%
HK$35,663
baseline
▲ 0.50% · 4.625%
HK$37,833
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,326/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,333
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,335
−HK$1,015/mo
Today · 4.125%
HK$39,350
baseline
▲ 0.50% · 4.625%
HK$41,425
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,700/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,147
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,489
−HK$1,363/mo
Today · 4.125%
HK$45,852
baseline
▲ 0.50% · 4.625%
HK$48,642
+HK$2,790/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,704/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,000
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,287
−HK$1,306/mo
Today · 4.125%
HK$50,593
baseline
▲ 0.50% · 4.625%
HK$53,260
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,186/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,205 · Scale 2, in force from 26 Feb 2026)