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$23,743
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,481
−HK$750/mo
Today · 4.125%
HK$25,231
baseline
▲ 0.50% · 4.625%
HK$26,767
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,462/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,413
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,122
−HK$718/mo
Today · 4.125%
HK$27,840
baseline
▲ 0.50% · 4.625%
HK$29,308
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,680/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,491
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,377
−HK$901/mo
Today · 4.125%
HK$30,278
baseline
▲ 0.50% · 4.625%
HK$32,120
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,556/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,696
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,546
−HK$862/mo
Today · 4.125%
HK$33,408
baseline
▲ 0.50% · 4.625%
HK$35,169
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,816/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,240
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,273
−HK$1,051/mo
Today · 4.125%
HK$35,324
baseline
▲ 0.50% · 4.625%
HK$37,473
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,648/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,979
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,970
−HK$1,006/mo
Today · 4.125%
HK$38,976
baseline
▲ 0.50% · 4.625%
HK$41,031
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,952/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,737
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,066
−HK$1,350/mo
Today · 4.125%
HK$45,416
baseline
▲ 0.50% · 4.625%
HK$48,180
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,832/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,544
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,819
−HK$1,294/mo
Today · 4.125%
HK$50,113
baseline
▲ 0.50% · 4.625%
HK$52,754
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,226/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,458 · Scale 2, in force from 26 Feb 2026)