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$23,968
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,713
−HK$758/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$27,021
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,162 · 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$394,162 · 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$32,425
+HK$1,860/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$394,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,997
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,855
−HK$870/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$394,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,555
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,599
−HK$1,060/mo
Today · 4.125%
HK$35,659
baseline
▲ 0.50% · 4.625%
HK$37,829
+HK$2,170/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$394,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,329
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,331
−HK$1,015/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$394,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,142
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,484
−HK$1,363/mo
Today · 4.125%
HK$45,847
baseline
▲ 0.50% · 4.625%
HK$48,637
+HK$2,790/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$394,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,995
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,282
−HK$1,306/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,254
+HK$2,666/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,162 · Scale 2, in force from 26 Feb 2026)