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$23,988
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,734
−HK$758/mo
Today · 4.125%
HK$25,492
baseline
▲ 0.50% · 4.625%
HK$27,043
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,984/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,686
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,402
−HK$726/mo
Today · 4.125%
HK$28,128
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,256/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,785
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,681
−HK$909/mo
Today · 4.125%
HK$30,590
baseline
▲ 0.50% · 4.625%
HK$32,452
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,180/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,023
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,882
−HK$871/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,532
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,583
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,627
−HK$1,062/mo
Today · 4.125%
HK$35,689
baseline
▲ 0.50% · 4.625%
HK$37,860
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,378/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,360
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,362
−HK$1,017/mo
Today · 4.125%
HK$39,379
baseline
▲ 0.50% · 4.625%
HK$41,455
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,758/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,178
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,521
−HK$1,364/mo
Today · 4.125%
HK$45,885
baseline
▲ 0.50% · 4.625%
HK$48,677
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,770/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,035
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,323
−HK$1,307/mo
Today · 4.125%
HK$50,630
baseline
▲ 0.50% · 4.625%
HK$53,299
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,260/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,490 · Scale 2, in force from 26 Feb 2026)