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$23,979
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,725
−HK$758/mo
Today · 4.125%
HK$25,483
baseline
▲ 0.50% · 4.625%
HK$27,033
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,966/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,676
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,392
−HK$726/mo
Today · 4.125%
HK$28,118
baseline
▲ 0.50% · 4.625%
HK$29,600
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,236/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,775
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,670
−HK$909/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,440
+HK$1,861/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,012
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,870
−HK$871/mo
Today · 4.125%
HK$33,741
baseline
▲ 0.50% · 4.625%
HK$35,520
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,482/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,571
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,615
−HK$1,061/mo
Today · 4.125%
HK$35,676
baseline
▲ 0.50% · 4.625%
HK$37,847
+HK$2,171/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,352/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,347
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,349
−HK$1,016/mo
Today · 4.125%
HK$39,365
baseline
▲ 0.50% · 4.625%
HK$41,440
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,730/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,162
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,505
−HK$1,364/mo
Today · 4.125%
HK$45,869
baseline
▲ 0.50% · 4.625%
HK$48,660
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,738/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,018
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,305
−HK$1,307/mo
Today · 4.125%
HK$50,612
baseline
▲ 0.50% · 4.625%
HK$53,280
+HK$2,668/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,224/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,348 · Scale 2, in force from 26 Feb 2026)