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$23,813
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,554
−HK$752/mo
Today · 4.125%
HK$25,306
baseline
▲ 0.50% · 4.625%
HK$26,846
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,612/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,492
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,202
−HK$721/mo
Today · 4.125%
HK$27,923
baseline
▲ 0.50% · 4.625%
HK$29,395
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,846/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,575
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,464
−HK$903/mo
Today · 4.125%
HK$30,367
baseline
▲ 0.50% · 4.625%
HK$32,215
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,734/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,790
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,642
−HK$865/mo
Today · 4.125%
HK$33,507
baseline
▲ 0.50% · 4.625%
HK$35,274
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,014/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,338
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,375
−HK$1,054/mo
Today · 4.125%
HK$35,429
baseline
▲ 0.50% · 4.625%
HK$37,584
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,858/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,088
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,083
−HK$1,009/mo
Today · 4.125%
HK$39,092
baseline
▲ 0.50% · 4.625%
HK$41,153
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,184/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,863
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,196
−HK$1,355/mo
Today · 4.125%
HK$45,551
baseline
▲ 0.50% · 4.625%
HK$48,323
+HK$2,772/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,102/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,685
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,964
−HK$1,297/mo
Today · 4.125%
HK$50,261
baseline
▲ 0.50% · 4.625%
HK$52,910
+HK$2,649/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,522/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,616 · Scale 2, in force from 26 Feb 2026)