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$23,761
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,501
−HK$751/mo
Today · 4.125%
HK$25,252
baseline
▲ 0.50% · 4.625%
HK$26,788
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,504/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,434
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,143
−HK$720/mo
Today · 4.125%
HK$27,863
baseline
▲ 0.50% · 4.625%
HK$29,331
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,726/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,514
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,401
−HK$901/mo
Today · 4.125%
HK$30,302
baseline
▲ 0.50% · 4.625%
HK$32,146
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,604/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,721
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,572
−HK$863/mo
Today · 4.125%
HK$33,435
baseline
▲ 0.50% · 4.625%
HK$35,197
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,870/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,266
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,301
−HK$1,051/mo
Today · 4.125%
HK$35,352
baseline
▲ 0.50% · 4.625%
HK$37,503
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,704/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,008
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,001
−HK$1,007/mo
Today · 4.125%
HK$39,008
baseline
▲ 0.50% · 4.625%
HK$41,064
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$78,016/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,771
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,101
−HK$1,352/mo
Today · 4.125%
HK$45,453
baseline
▲ 0.50% · 4.625%
HK$48,218
+HK$2,765/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,906/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,582
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,858
−HK$1,295/mo
Today · 4.125%
HK$50,153
baseline
▲ 0.50% · 4.625%
HK$52,796
+HK$2,643/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,306/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,770 · Scale 2, in force from 26 Feb 2026)