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$23,985
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,731
−HK$758/mo
Today · 4.125%
HK$25,489
baseline
▲ 0.50% · 4.625%
HK$27,040
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,978/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,683
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$726/mo
Today · 4.125%
HK$28,125
baseline
▲ 0.50% · 4.625%
HK$29,607
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,250/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,782
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,677
−HK$910/mo
Today · 4.125%
HK$30,587
baseline
▲ 0.50% · 4.625%
HK$32,448
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,174/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,020
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,879
−HK$871/mo
Today · 4.125%
HK$33,750
baseline
▲ 0.50% · 4.625%
HK$35,529
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,500/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,624
−HK$1,061/mo
Today · 4.125%
HK$35,685
baseline
▲ 0.50% · 4.625%
HK$37,856
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,370/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,356
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,358
−HK$1,017/mo
Today · 4.125%
HK$39,375
baseline
▲ 0.50% · 4.625%
HK$41,450
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,750/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,173
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,516
−HK$1,365/mo
Today · 4.125%
HK$45,881
baseline
▲ 0.50% · 4.625%
HK$48,672
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,762/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,030
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,318
−HK$1,307/mo
Today · 4.125%
HK$50,625
baseline
▲ 0.50% · 4.625%
HK$53,293
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,250/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,448 · Scale 2, in force from 26 Feb 2026)