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$23,993
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$759/mo
Today · 4.125%
HK$25,498
baseline
▲ 0.50% · 4.625%
HK$27,049
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,996/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,692
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$726/mo
Today · 4.125%
HK$28,134
baseline
▲ 0.50% · 4.625%
HK$29,617
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,268/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,792
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,687
−HK$910/mo
Today · 4.125%
HK$30,597
baseline
▲ 0.50% · 4.625%
HK$32,459
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,194/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,031
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,890
−HK$871/mo
Today · 4.125%
HK$33,761
baseline
▲ 0.50% · 4.625%
HK$35,541
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,522/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,590
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,635
−HK$1,062/mo
Today · 4.125%
HK$35,697
baseline
▲ 0.50% · 4.625%
HK$37,869
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,394/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,369
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,371
−HK$1,017/mo
Today · 4.125%
HK$39,388
baseline
▲ 0.50% · 4.625%
HK$41,464
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,776/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,188
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,531
−HK$1,365/mo
Today · 4.125%
HK$45,896
baseline
▲ 0.50% · 4.625%
HK$48,689
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,792/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,046
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,334
−HK$1,308/mo
Today · 4.125%
HK$50,642
baseline
▲ 0.50% · 4.625%
HK$53,311
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,284/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,580 · Scale 2, in force from 26 Feb 2026)