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$23,993
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$758/mo
Today · 4.125%
HK$25,497
baseline
▲ 0.50% · 4.625%
HK$27,049
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,994/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,692
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,407
−HK$727/mo
Today · 4.125%
HK$28,134
baseline
▲ 0.50% · 4.625%
HK$29,617
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,268/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,791
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,687
−HK$910/mo
Today · 4.125%
HK$30,597
baseline
▲ 0.50% · 4.625%
HK$32,458
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,194/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,030
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,889
−HK$871/mo
Today · 4.125%
HK$33,760
baseline
▲ 0.50% · 4.625%
HK$35,540
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,520/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,590
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,635
−HK$1,061/mo
Today · 4.125%
HK$35,696
baseline
▲ 0.50% · 4.625%
HK$37,868
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,392/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,368
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,370
−HK$1,017/mo
Today · 4.125%
HK$39,387
baseline
▲ 0.50% · 4.625%
HK$41,463
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,774/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,187
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,530
−HK$1,365/mo
Today · 4.125%
HK$45,895
baseline
▲ 0.50% · 4.625%
HK$48,688
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,790/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,045
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,333
−HK$1,308/mo
Today · 4.125%
HK$50,641
baseline
▲ 0.50% · 4.625%
HK$53,310
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,282/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,573 · Scale 2, in force from 26 Feb 2026)