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$23,971
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,717
−HK$757/mo
Today · 4.125%
HK$25,474
baseline
▲ 0.50% · 4.625%
HK$27,024
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,948/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,667
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,383
−HK$725/mo
Today · 4.125%
HK$28,108
baseline
▲ 0.50% · 4.625%
HK$29,590
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,216/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,765
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,660
−HK$909/mo
Today · 4.125%
HK$30,569
baseline
▲ 0.50% · 4.625%
HK$32,429
+HK$1,860/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$61,138/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,001
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,859
−HK$871/mo
Today · 4.125%
HK$33,730
baseline
▲ 0.50% · 4.625%
HK$35,508
+HK$1,778/mo
Deposit HK$4.20M · loan HK$6.31M · min. income ≈ HK$67,460/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,559
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,603
−HK$1,061/mo
Today · 4.125%
HK$35,664
baseline
▲ 0.50% · 4.625%
HK$37,834
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,328/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,334
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,336
−HK$1,016/mo
Today · 4.125%
HK$39,352
baseline
▲ 0.50% · 4.625%
HK$41,426
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,704/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,148
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,490
−HK$1,363/mo
Today · 4.125%
HK$45,853
baseline
▲ 0.50% · 4.625%
HK$48,644
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,706/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,001
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,289
−HK$1,306/mo
Today · 4.125%
HK$50,595
baseline
▲ 0.50% · 4.625%
HK$53,262
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,190/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,216 · Scale 2, in force from 26 Feb 2026)