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$23,994
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,741
−HK$758/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$27,051
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,998/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,693
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,409
−HK$727/mo
Today · 4.125%
HK$28,136
baseline
▲ 0.50% · 4.625%
HK$29,619
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,272/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,793
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,689
−HK$910/mo
Today · 4.125%
HK$30,599
baseline
▲ 0.50% · 4.625%
HK$32,461
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,198/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,032
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,891
−HK$872/mo
Today · 4.125%
HK$33,763
baseline
▲ 0.50% · 4.625%
HK$35,542
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,526/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,592
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$1,062/mo
Today · 4.125%
HK$35,699
baseline
▲ 0.50% · 4.625%
HK$37,871
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,398/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,371
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,373
−HK$1,017/mo
Today · 4.125%
HK$39,390
baseline
▲ 0.50% · 4.625%
HK$41,466
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,780/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,190
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,533
−HK$1,365/mo
Today · 4.125%
HK$45,898
baseline
▲ 0.50% · 4.625%
HK$48,691
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,796/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,048
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,337
−HK$1,307/mo
Today · 4.125%
HK$50,644
baseline
▲ 0.50% · 4.625%
HK$53,314
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,288/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,599 · Scale 2, in force from 26 Feb 2026)