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$23,990
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,736
−HK$758/mo
Today · 4.125%
HK$25,494
baseline
▲ 0.50% · 4.625%
HK$27,045
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,988/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,688
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,404
−HK$726/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,613
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,788
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,683
−HK$910/mo
Today · 4.125%
HK$30,593
baseline
▲ 0.50% · 4.625%
HK$32,454
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,186/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,026
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,885
−HK$871/mo
Today · 4.125%
HK$33,756
baseline
▲ 0.50% · 4.625%
HK$35,535
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,512/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,585
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,630
−HK$1,062/mo
Today · 4.125%
HK$35,692
baseline
▲ 0.50% · 4.625%
HK$37,863
+HK$2,171/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$71,384/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,363
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,366
−HK$1,016/mo
Today · 4.125%
HK$39,382
baseline
▲ 0.50% · 4.625%
HK$41,458
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.36M · min. income ≈ HK$78,764/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,181
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,524
−HK$1,365/mo
Today · 4.125%
HK$45,889
baseline
▲ 0.50% · 4.625%
HK$48,681
+HK$2,792/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,778/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,327
−HK$1,307/mo
Today · 4.125%
HK$50,634
baseline
▲ 0.50% · 4.625%
HK$53,303
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,268/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,522 · Scale 2, in force from 26 Feb 2026)