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$23,782
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,522
−HK$751/mo
Today · 4.125%
HK$25,273
baseline
▲ 0.50% · 4.625%
HK$26,811
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,546/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,457
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,167
−HK$720/mo
Today · 4.125%
HK$27,887
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,774/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$902/mo
Today · 4.125%
HK$30,328
baseline
▲ 0.50% · 4.625%
HK$32,173
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,656/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,749
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,600
−HK$864/mo
Today · 4.125%
HK$33,464
baseline
▲ 0.50% · 4.625%
HK$35,228
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,928/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,295
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$1,053/mo
Today · 4.125%
HK$35,383
baseline
▲ 0.50% · 4.625%
HK$37,536
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,766/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,040
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,034
−HK$1,007/mo
Today · 4.125%
HK$39,041
baseline
▲ 0.50% · 4.625%
HK$41,099
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,082/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,808
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,139
−HK$1,353/mo
Today · 4.125%
HK$45,492
baseline
▲ 0.50% · 4.625%
HK$48,260
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,984/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,623
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,900
−HK$1,296/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$52,842
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,108 · Scale 2, in force from 26 Feb 2026)