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$23,982
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,728
−HK$757/mo
Today · 4.125%
HK$25,485
baseline
▲ 0.50% · 4.625%
HK$27,036
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,970/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,679
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,395
−HK$726/mo
Today · 4.125%
HK$28,121
baseline
▲ 0.50% · 4.625%
HK$29,603
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,242/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,778
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,673
−HK$910/mo
Today · 4.125%
HK$30,583
baseline
▲ 0.50% · 4.625%
HK$32,443
+HK$1,860/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,166/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,015
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,874
−HK$871/mo
Today · 4.125%
HK$33,745
baseline
▲ 0.50% · 4.625%
HK$35,524
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,490/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,574
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,619
−HK$1,061/mo
Today · 4.125%
HK$35,680
baseline
▲ 0.50% · 4.625%
HK$37,851
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,360/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,351
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,353
−HK$1,016/mo
Today · 4.125%
HK$39,369
baseline
▲ 0.50% · 4.625%
HK$41,444
+HK$2,075/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,738/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,167
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,510
−HK$1,364/mo
Today · 4.125%
HK$45,874
baseline
▲ 0.50% · 4.625%
HK$48,665
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,748/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,023
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,311
−HK$1,306/mo
Today · 4.125%
HK$50,617
baseline
▲ 0.50% · 4.625%
HK$53,285
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,234/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,390 · Scale 2, in force from 26 Feb 2026)