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$23,995
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,742
−HK$758/mo
Today · 4.125%
HK$25,500
baseline
▲ 0.50% · 4.625%
HK$27,051
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,000/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,694
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,410
−HK$727/mo
Today · 4.125%
HK$28,137
baseline
▲ 0.50% · 4.625%
HK$29,620
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,274/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,794
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,690
−HK$910/mo
Today · 4.125%
HK$30,600
baseline
▲ 0.50% · 4.625%
HK$32,462
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,200/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,033
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,892
−HK$872/mo
Today · 4.125%
HK$33,764
baseline
▲ 0.50% · 4.625%
HK$35,544
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,528/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,593
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,638
−HK$1,062/mo
Today · 4.125%
HK$35,700
baseline
▲ 0.50% · 4.625%
HK$37,872
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,400/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,372
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,374
−HK$1,017/mo
Today · 4.125%
HK$39,391
baseline
▲ 0.50% · 4.625%
HK$41,468
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,782/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,191
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,535
−HK$1,365/mo
Today · 4.125%
HK$45,900
baseline
▲ 0.50% · 4.625%
HK$48,693
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,800/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,050
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,339
−HK$1,307/mo
Today · 4.125%
HK$50,646
baseline
▲ 0.50% · 4.625%
HK$53,315
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,292/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,613 · Scale 2, in force from 26 Feb 2026)