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$23,771
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$752/mo
Today · 4.125%
HK$25,262
baseline
▲ 0.50% · 4.625%
HK$26,799
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,524/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,445
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,154
−HK$720/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,343
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,525
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$901/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$32,159
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,734
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$864/mo
Today · 4.125%
HK$33,449
baseline
▲ 0.50% · 4.625%
HK$35,212
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,898/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,279
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,315
−HK$1,051/mo
Today · 4.125%
HK$35,366
baseline
▲ 0.50% · 4.625%
HK$37,518
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,732/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,023
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,016
−HK$1,007/mo
Today · 4.125%
HK$39,023
baseline
▲ 0.50% · 4.625%
HK$41,080
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,046/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,788
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,119
−HK$1,352/mo
Today · 4.125%
HK$45,471
baseline
▲ 0.50% · 4.625%
HK$48,238
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,942/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,601
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,878
−HK$1,295/mo
Today · 4.125%
HK$50,173
baseline
▲ 0.50% · 4.625%
HK$52,818
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,346/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,928 · Scale 2, in force from 26 Feb 2026)