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$23,758
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,497
−HK$751/mo
Today · 4.125%
HK$25,248
baseline
▲ 0.50% · 4.625%
HK$26,784
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,496/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,430
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,139
−HK$719/mo
Today · 4.125%
HK$27,858
baseline
▲ 0.50% · 4.625%
HK$29,327
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,716/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,509
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$901/mo
Today · 4.125%
HK$30,297
baseline
▲ 0.50% · 4.625%
HK$32,141
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,594/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,717
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,567
−HK$863/mo
Today · 4.125%
HK$33,430
baseline
▲ 0.50% · 4.625%
HK$35,192
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,860/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,261
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,296
−HK$1,051/mo
Today · 4.125%
HK$35,347
baseline
▲ 0.50% · 4.625%
HK$37,498
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,694/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,003
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,995
−HK$1,007/mo
Today · 4.125%
HK$39,002
baseline
▲ 0.50% · 4.625%
HK$41,058
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$78,004/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,764
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,094
−HK$1,352/mo
Today · 4.125%
HK$45,446
baseline
▲ 0.50% · 4.625%
HK$48,211
+HK$2,765/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,892/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,575
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,851
−HK$1,294/mo
Today · 4.125%
HK$50,145
baseline
▲ 0.50% · 4.625%
HK$52,788
+HK$2,643/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,290/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,711 · Scale 2, in force from 26 Feb 2026)