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$24,740
−HK$759/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$27,050
+HK$1,551/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$394,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,693
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,409
−HK$726/mo
Today · 4.125%
HK$28,135
baseline
▲ 0.50% · 4.625%
HK$29,618
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,270/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,793
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,688
−HK$910/mo
Today · 4.125%
HK$30,598
baseline
▲ 0.50% · 4.625%
HK$32,460
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,196/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,032
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,891
−HK$871/mo
Today · 4.125%
HK$33,762
baseline
▲ 0.50% · 4.625%
HK$35,542
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,524/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,592
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$1,061/mo
Today · 4.125%
HK$35,698
baseline
▲ 0.50% · 4.625%
HK$37,870
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,396/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,370
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,373
−HK$1,016/mo
Today · 4.125%
HK$39,389
baseline
▲ 0.50% · 4.625%
HK$41,466
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,778/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,189
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,533
−HK$1,365/mo
Today · 4.125%
HK$45,898
baseline
▲ 0.50% · 4.625%
HK$48,690
+HK$2,792/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$394,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,048
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,336
−HK$1,307/mo
Today · 4.125%
HK$50,643
baseline
▲ 0.50% · 4.625%
HK$53,313
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,286/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,595 · Scale 2, in force from 26 Feb 2026)