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$23,744
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,483
−HK$750/mo
Today · 4.125%
HK$25,233
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,466/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,415
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,124
−HK$719/mo
Today · 4.125%
HK$27,843
baseline
▲ 0.50% · 4.625%
HK$29,310
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,686/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,493
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,380
−HK$900/mo
Today · 4.125%
HK$30,280
baseline
▲ 0.50% · 4.625%
HK$32,123
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,560/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,699
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$862/mo
Today · 4.125%
HK$33,411
baseline
▲ 0.50% · 4.625%
HK$35,172
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,822/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,242
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,276
−HK$1,051/mo
Today · 4.125%
HK$35,327
baseline
▲ 0.50% · 4.625%
HK$37,476
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,654/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,982
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,973
−HK$1,007/mo
Today · 4.125%
HK$38,980
baseline
▲ 0.50% · 4.625%
HK$41,034
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,960/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,740
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,069
−HK$1,351/mo
Today · 4.125%
HK$45,420
baseline
▲ 0.50% · 4.625%
HK$48,184
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,840/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,548
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,823
−HK$1,294/mo
Today · 4.125%
HK$50,117
baseline
▲ 0.50% · 4.625%
HK$52,758
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,234/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,491 · Scale 2, in force from 26 Feb 2026)