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$23,992
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,738
−HK$758/mo
Today · 4.125%
HK$25,496
baseline
▲ 0.50% · 4.625%
HK$27,048
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,992/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,690
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,406
−HK$726/mo
Today · 4.125%
HK$28,132
baseline
▲ 0.50% · 4.625%
HK$29,615
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,264/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,790
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$909/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,457
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,029
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,888
−HK$871/mo
Today · 4.125%
HK$33,759
baseline
▲ 0.50% · 4.625%
HK$35,538
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,518/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,588
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,633
−HK$1,062/mo
Today · 4.125%
HK$35,695
baseline
▲ 0.50% · 4.625%
HK$37,867
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,390/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,367
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,369
−HK$1,016/mo
Today · 4.125%
HK$39,385
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,770/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,185
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,528
−HK$1,365/mo
Today · 4.125%
HK$45,893
baseline
▲ 0.50% · 4.625%
HK$48,686
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,786/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,043
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,331
−HK$1,307/mo
Today · 4.125%
HK$50,638
baseline
▲ 0.50% · 4.625%
HK$53,308
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,276/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,556 · Scale 2, in force from 26 Feb 2026)