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$23,744
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,482
−HK$750/mo
Today · 4.125%
HK$25,232
baseline
▲ 0.50% · 4.625%
HK$26,768
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,464/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,414
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,123
−HK$719/mo
Today · 4.125%
HK$27,842
baseline
▲ 0.50% · 4.625%
HK$29,309
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,684/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,492
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,379
−HK$900/mo
Today · 4.125%
HK$30,279
baseline
▲ 0.50% · 4.625%
HK$32,121
+HK$1,842/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,558/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,697
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,547
−HK$863/mo
Today · 4.125%
HK$33,410
baseline
▲ 0.50% · 4.625%
HK$35,171
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,820/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,241
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,275
−HK$1,050/mo
Today · 4.125%
HK$35,325
baseline
▲ 0.50% · 4.625%
HK$37,475
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,650/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,980
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,972
−HK$1,006/mo
Today · 4.125%
HK$38,978
baseline
▲ 0.50% · 4.625%
HK$41,033
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,956/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,738
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,068
−HK$1,350/mo
Today · 4.125%
HK$45,418
baseline
▲ 0.50% · 4.625%
HK$48,182
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,836/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,546
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,821
−HK$1,294/mo
Today · 4.125%
HK$50,115
baseline
▲ 0.50% · 4.625%
HK$52,756
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,230/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,476 · Scale 2, in force from 26 Feb 2026)