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$23,763
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,502
−HK$751/mo
Today · 4.125%
HK$25,253
baseline
▲ 0.50% · 4.625%
HK$26,790
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,506/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,436
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,145
−HK$719/mo
Today · 4.125%
HK$27,864
baseline
▲ 0.50% · 4.625%
HK$29,333
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,728/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,516
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,403
−HK$901/mo
Today · 4.125%
HK$30,304
baseline
▲ 0.50% · 4.625%
HK$32,148
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,608/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,723
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,574
−HK$863/mo
Today · 4.125%
HK$33,437
baseline
▲ 0.50% · 4.625%
HK$35,200
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,874/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,268
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,303
−HK$1,052/mo
Today · 4.125%
HK$35,355
baseline
▲ 0.50% · 4.625%
HK$37,506
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,710/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,011
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,003
−HK$1,007/mo
Today · 4.125%
HK$39,010
baseline
▲ 0.50% · 4.625%
HK$41,067
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$78,020/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,774
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,104
−HK$1,352/mo
Today · 4.125%
HK$45,456
baseline
▲ 0.50% · 4.625%
HK$48,222
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,912/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,585
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,861
−HK$1,295/mo
Today · 4.125%
HK$50,156
baseline
▲ 0.50% · 4.625%
HK$52,800
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,312/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,797 · Scale 2, in force from 26 Feb 2026)