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$23,977
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$758/mo
Today · 4.125%
HK$25,480
baseline
▲ 0.50% · 4.625%
HK$27,031
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,960/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,674
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,389
−HK$726/mo
Today · 4.125%
HK$28,115
baseline
▲ 0.50% · 4.625%
HK$29,597
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,230/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$909/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,437
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$871/mo
Today · 4.125%
HK$33,738
baseline
▲ 0.50% · 4.625%
HK$35,516
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,476/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,567
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,611
−HK$1,061/mo
Today · 4.125%
HK$35,672
baseline
▲ 0.50% · 4.625%
HK$37,843
+HK$2,171/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,344/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,343
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,345
−HK$1,016/mo
Today · 4.125%
HK$39,361
baseline
▲ 0.50% · 4.625%
HK$41,435
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,722/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,158
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,500
−HK$1,364/mo
Today · 4.125%
HK$45,864
baseline
▲ 0.50% · 4.625%
HK$48,655
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,728/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,013
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,300
−HK$1,307/mo
Today · 4.125%
HK$50,607
baseline
▲ 0.50% · 4.625%
HK$53,274
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,214/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,308 · Scale 2, in force from 26 Feb 2026)