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$23,757
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,496
−HK$751/mo
Today · 4.125%
HK$25,247
baseline
▲ 0.50% · 4.625%
HK$26,783
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,494/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,430
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,138
−HK$719/mo
Today · 4.125%
HK$27,857
baseline
▲ 0.50% · 4.625%
HK$29,326
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,714/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,508
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,395
−HK$901/mo
Today · 4.125%
HK$30,296
baseline
▲ 0.50% · 4.625%
HK$32,140
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,592/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,715
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$863/mo
Today · 4.125%
HK$33,429
baseline
▲ 0.50% · 4.625%
HK$35,191
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,858/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,260
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,294
−HK$1,052/mo
Today · 4.125%
HK$35,346
baseline
▲ 0.50% · 4.625%
HK$37,496
+HK$2,150/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,692/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,001
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,994
−HK$1,006/mo
Today · 4.125%
HK$39,000
baseline
▲ 0.50% · 4.625%
HK$41,056
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$78,000/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,763
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,093
−HK$1,351/mo
Today · 4.125%
HK$45,444
baseline
▲ 0.50% · 4.625%
HK$48,210
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,888/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,573
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,849
−HK$1,294/mo
Today · 4.125%
HK$50,143
baseline
▲ 0.50% · 4.625%
HK$52,786
+HK$2,643/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,286/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,698 · Scale 2, in force from 26 Feb 2026)