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$23,975
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,721
−HK$758/mo
Today · 4.125%
HK$25,479
baseline
▲ 0.50% · 4.625%
HK$27,029
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,958/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,672
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$725/mo
Today · 4.125%
HK$28,113
baseline
▲ 0.50% · 4.625%
HK$29,595
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,226/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,770
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,665
−HK$909/mo
Today · 4.125%
HK$30,574
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,148/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,007
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,865
−HK$871/mo
Today · 4.125%
HK$33,736
baseline
▲ 0.50% · 4.625%
HK$35,514
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,472/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,565
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,609
−HK$1,061/mo
Today · 4.125%
HK$35,670
baseline
▲ 0.50% · 4.625%
HK$37,841
+HK$2,171/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,340/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,341
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,343
−HK$1,016/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,433
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,155
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,498
−HK$1,364/mo
Today · 4.125%
HK$45,862
baseline
▲ 0.50% · 4.625%
HK$48,652
+HK$2,790/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,724/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,010
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,298
−HK$1,306/mo
Today · 4.125%
HK$50,604
baseline
▲ 0.50% · 4.625%
HK$53,271
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,208/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,286 · Scale 2, in force from 26 Feb 2026)