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$23,983
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,730
−HK$757/mo
Today · 4.125%
HK$25,487
baseline
▲ 0.50% · 4.625%
HK$27,038
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,974/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,681
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,397
−HK$726/mo
Today · 4.125%
HK$28,123
baseline
▲ 0.50% · 4.625%
HK$29,605
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,246/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,780
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,675
−HK$910/mo
Today · 4.125%
HK$30,585
baseline
▲ 0.50% · 4.625%
HK$32,446
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,170/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,018
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,876
−HK$871/mo
Today · 4.125%
HK$33,747
baseline
▲ 0.50% · 4.625%
HK$35,526
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,494/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,577
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,621
−HK$1,061/mo
Today · 4.125%
HK$35,682
baseline
▲ 0.50% · 4.625%
HK$37,854
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,364/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,354
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,356
−HK$1,016/mo
Today · 4.125%
HK$39,372
baseline
▲ 0.50% · 4.625%
HK$41,447
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,744/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,170
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,513
−HK$1,364/mo
Today · 4.125%
HK$45,877
baseline
▲ 0.50% · 4.625%
HK$48,669
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,754/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,027
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,315
−HK$1,306/mo
Today · 4.125%
HK$50,621
baseline
▲ 0.50% · 4.625%
HK$53,290
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,242/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,422 · Scale 2, in force from 26 Feb 2026)