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$394,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,691
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,407
−HK$726/mo
Today · 4.125%
HK$28,133
baseline
▲ 0.50% · 4.625%
HK$29,616
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,266/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,790
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$910/mo
Today · 4.125%
HK$30,596
baseline
▲ 0.50% · 4.625%
HK$32,457
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,192/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,560 · 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$35,539
+HK$1,780/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$394,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,589
−HK$2,106/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$394,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,367
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,369
−HK$1,017/mo
Today · 4.125%
HK$39,386
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,772/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,185
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,529
−HK$1,365/mo
Today · 4.125%
HK$45,894
baseline
▲ 0.50% · 4.625%
HK$48,686
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,788/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,043
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,332
−HK$1,307/mo
Today · 4.125%
HK$50,639
baseline
▲ 0.50% · 4.625%
HK$53,308
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,278/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,560 · Scale 2, in force from 26 Feb 2026)