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$23,974
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,719
−HK$758/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$27,027
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,670
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,386
−HK$725/mo
Today · 4.125%
HK$28,111
baseline
▲ 0.50% · 4.625%
HK$29,593
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,222/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,768
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,663
−HK$909/mo
Today · 4.125%
HK$30,572
baseline
▲ 0.50% · 4.625%
HK$32,433
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,144/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,005
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,863
−HK$871/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,512
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,563
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,607
−HK$1,061/mo
Today · 4.125%
HK$35,668
baseline
▲ 0.50% · 4.625%
HK$37,838
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,336/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,339
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,340
−HK$1,016/mo
Today · 4.125%
HK$39,356
baseline
▲ 0.50% · 4.625%
HK$41,430
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,712/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,153
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,495
−HK$1,364/mo
Today · 4.125%
HK$45,859
baseline
▲ 0.50% · 4.625%
HK$48,649
+HK$2,790/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,718/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,007
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,294
−HK$1,307/mo
Today · 4.125%
HK$50,601
baseline
▲ 0.50% · 4.625%
HK$53,268
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,202/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,260 · Scale 2, in force from 26 Feb 2026)