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$23,797
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,538
−HK$752/mo
Today · 4.125%
HK$25,290
baseline
▲ 0.50% · 4.625%
HK$26,828
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,580/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,474
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,184
−HK$721/mo
Today · 4.125%
HK$27,905
baseline
▲ 0.50% · 4.625%
HK$29,376
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,810/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,557
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,445
−HK$903/mo
Today · 4.125%
HK$30,348
baseline
▲ 0.50% · 4.625%
HK$32,194
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,696/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,769
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,621
−HK$865/mo
Today · 4.125%
HK$33,486
baseline
▲ 0.50% · 4.625%
HK$35,251
+HK$1,765/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,972/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,316
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,353
−HK$1,053/mo
Today · 4.125%
HK$35,406
baseline
▲ 0.50% · 4.625%
HK$37,560
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,812/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,064
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,058
−HK$1,008/mo
Today · 4.125%
HK$39,066
baseline
▲ 0.50% · 4.625%
HK$41,126
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,132/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,835
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,168
−HK$1,353/mo
Today · 4.125%
HK$45,521
baseline
▲ 0.50% · 4.625%
HK$48,291
+HK$2,770/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,042/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,654
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,932
−HK$1,296/mo
Today · 4.125%
HK$50,228
baseline
▲ 0.50% · 4.625%
HK$52,876
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,456/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,360 · Scale 2, in force from 26 Feb 2026)