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$23,980
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,726
−HK$758/mo
Today · 4.125%
HK$25,484
baseline
▲ 0.50% · 4.625%
HK$27,035
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,968/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,678
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$726/mo
Today · 4.125%
HK$28,119
baseline
▲ 0.50% · 4.625%
HK$29,601
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,238/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,776
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,671
−HK$910/mo
Today · 4.125%
HK$30,581
baseline
▲ 0.50% · 4.625%
HK$32,441
+HK$1,860/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,162/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,013
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,872
−HK$871/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,521
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,616
−HK$1,061/mo
Today · 4.125%
HK$35,677
baseline
▲ 0.50% · 4.625%
HK$37,848
+HK$2,171/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,354/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,349
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,350
−HK$1,017/mo
Today · 4.125%
HK$39,367
baseline
▲ 0.50% · 4.625%
HK$41,442
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,734/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,164
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,507
−HK$1,364/mo
Today · 4.125%
HK$45,871
baseline
▲ 0.50% · 4.625%
HK$48,662
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,742/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,020
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,308
−HK$1,306/mo
Today · 4.125%
HK$50,614
baseline
▲ 0.50% · 4.625%
HK$53,282
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,228/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,366 · Scale 2, in force from 26 Feb 2026)