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$23,821
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,562
−HK$752/mo
Today · 4.125%
HK$25,314
baseline
▲ 0.50% · 4.625%
HK$26,855
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,628/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,500
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,211
−HK$721/mo
Today · 4.125%
HK$27,932
baseline
▲ 0.50% · 4.625%
HK$29,404
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,864/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,585
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,474
−HK$903/mo
Today · 4.125%
HK$30,377
baseline
▲ 0.50% · 4.625%
HK$32,226
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,754/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,800
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,653
−HK$865/mo
Today · 4.125%
HK$33,518
baseline
▲ 0.50% · 4.625%
HK$35,285
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,036/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,349
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,386
−HK$1,054/mo
Today · 4.125%
HK$35,440
baseline
▲ 0.50% · 4.625%
HK$37,597
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,880/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,100
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,095
−HK$1,010/mo
Today · 4.125%
HK$39,105
baseline
▲ 0.50% · 4.625%
HK$41,166
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,210/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,877
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,211
−HK$1,355/mo
Today · 4.125%
HK$45,566
baseline
▲ 0.50% · 4.625%
HK$48,338
+HK$2,772/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,132/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,700
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,980
−HK$1,297/mo
Today · 4.125%
HK$50,277
baseline
▲ 0.50% · 4.625%
HK$52,928
+HK$2,651/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,554/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,743 · Scale 2, in force from 26 Feb 2026)