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$23,974
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,720
−HK$758/mo
Today · 4.125%
HK$25,478
baseline
▲ 0.50% · 4.625%
HK$27,028
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,956/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,671
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,387
−HK$725/mo
Today · 4.125%
HK$28,112
baseline
▲ 0.50% · 4.625%
HK$29,594
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,224/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,769
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$909/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,434
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,006
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,864
−HK$871/mo
Today · 4.125%
HK$33,735
baseline
▲ 0.50% · 4.625%
HK$35,513
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,470/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,564
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,608
−HK$1,061/mo
Today · 4.125%
HK$35,669
baseline
▲ 0.50% · 4.625%
HK$37,839
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,338/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,340
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,341
−HK$1,016/mo
Today · 4.125%
HK$39,357
baseline
▲ 0.50% · 4.625%
HK$41,432
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,714/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,154
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,496
−HK$1,364/mo
Today · 4.125%
HK$45,860
baseline
▲ 0.50% · 4.625%
HK$48,650
+HK$2,790/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,720/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,008
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,296
−HK$1,306/mo
Today · 4.125%
HK$50,602
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,204/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,272 · Scale 2, in force from 26 Feb 2026)