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$23,987
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,733
−HK$758/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,685
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,401
−HK$726/mo
Today · 4.125%
HK$28,127
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,254/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,785
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,680
−HK$910/mo
Today · 4.125%
HK$30,590
baseline
▲ 0.50% · 4.625%
HK$32,451
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,180/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,023
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$872/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,532
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,582
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,627
−HK$1,061/mo
Today · 4.125%
HK$35,688
baseline
▲ 0.50% · 4.625%
HK$37,859
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,376/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,360
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,362
−HK$1,016/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,454
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,177
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,520
−HK$1,364/mo
Today · 4.125%
HK$45,884
baseline
▲ 0.50% · 4.625%
HK$48,676
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,768/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,034
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,322
−HK$1,307/mo
Today · 4.125%
HK$50,629
baseline
▲ 0.50% · 4.625%
HK$53,298
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,258/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,481 · Scale 2, in force from 26 Feb 2026)