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$23,967
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,713
−HK$757/mo
Today · 4.125%
HK$25,470
baseline
▲ 0.50% · 4.625%
HK$27,020
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,940/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,664
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,379
−HK$725/mo
Today · 4.125%
HK$28,104
baseline
▲ 0.50% · 4.625%
HK$29,586
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,208/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,761
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,656
−HK$909/mo
Today · 4.125%
HK$30,565
baseline
▲ 0.50% · 4.625%
HK$32,424
+HK$1,859/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,130/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,996
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,854
−HK$871/mo
Today · 4.125%
HK$33,725
baseline
▲ 0.50% · 4.625%
HK$35,503
+HK$1,778/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,450/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,554
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,598
−HK$1,061/mo
Today · 4.125%
HK$35,659
baseline
▲ 0.50% · 4.625%
HK$37,828
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,318/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,329
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,330
−HK$1,016/mo
Today · 4.125%
HK$39,346
baseline
▲ 0.50% · 4.625%
HK$41,420
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,692/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,141
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,483
−HK$1,364/mo
Today · 4.125%
HK$45,847
baseline
▲ 0.50% · 4.625%
HK$48,636
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,694/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,994
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,282
−HK$1,305/mo
Today · 4.125%
HK$50,587
baseline
▲ 0.50% · 4.625%
HK$53,254
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,174/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,158 · Scale 2, in force from 26 Feb 2026)