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$23,738
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,476
−HK$750/mo
Today · 4.125%
HK$25,226
baseline
▲ 0.50% · 4.625%
HK$26,761
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,452/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,408
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,116
−HK$719/mo
Today · 4.125%
HK$27,835
baseline
▲ 0.50% · 4.625%
HK$29,302
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,670/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,485
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,371
−HK$901/mo
Today · 4.125%
HK$30,272
baseline
▲ 0.50% · 4.625%
HK$32,113
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,544/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,690
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,539
−HK$863/mo
Today · 4.125%
HK$33,402
baseline
▲ 0.50% · 4.625%
HK$35,162
+HK$1,760/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,804/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,233
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,267
−HK$1,050/mo
Today · 4.125%
HK$35,317
baseline
▲ 0.50% · 4.625%
HK$37,466
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,634/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,971
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,963
−HK$1,006/mo
Today · 4.125%
HK$38,969
baseline
▲ 0.50% · 4.625%
HK$41,023
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,938/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,728
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,057
−HK$1,350/mo
Today · 4.125%
HK$45,407
baseline
▲ 0.50% · 4.625%
HK$48,170
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,814/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,534
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,809
−HK$1,293/mo
Today · 4.125%
HK$50,102
baseline
▲ 0.50% · 4.625%
HK$52,743
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,204/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,380 · Scale 2, in force from 26 Feb 2026)