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$23,978
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,723
−HK$758/mo
Today · 4.125%
HK$25,481
baseline
▲ 0.50% · 4.625%
HK$27,032
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,962/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,675
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,390
−HK$726/mo
Today · 4.125%
HK$28,116
baseline
▲ 0.50% · 4.625%
HK$29,598
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,232/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,773
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,668
−HK$909/mo
Today · 4.125%
HK$30,577
baseline
▲ 0.50% · 4.625%
HK$32,438
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,154/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,010
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,868
−HK$871/mo
Today · 4.125%
HK$33,739
baseline
▲ 0.50% · 4.625%
HK$35,518
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,478/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,569
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,613
−HK$1,061/mo
Today · 4.125%
HK$35,674
baseline
▲ 0.50% · 4.625%
HK$37,844
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,348/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,345
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,346
−HK$1,016/mo
Today · 4.125%
HK$39,362
baseline
▲ 0.50% · 4.625%
HK$41,437
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,724/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,160
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,502
−HK$1,364/mo
Today · 4.125%
HK$45,866
baseline
▲ 0.50% · 4.625%
HK$48,657
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,732/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,015
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,302
−HK$1,307/mo
Today · 4.125%
HK$50,609
baseline
▲ 0.50% · 4.625%
HK$53,276
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,218/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,325 · Scale 2, in force from 26 Feb 2026)