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$23,794
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,534
−HK$752/mo
Today · 4.125%
HK$25,286
baseline
▲ 0.50% · 4.625%
HK$26,825
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,572/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,471
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,181
−HK$720/mo
Today · 4.125%
HK$27,901
baseline
▲ 0.50% · 4.625%
HK$29,372
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,802/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,553
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,441
−HK$902/mo
Today · 4.125%
HK$30,343
baseline
▲ 0.50% · 4.625%
HK$32,190
+HK$1,847/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,686/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,765
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,617
−HK$864/mo
Today · 4.125%
HK$33,481
baseline
▲ 0.50% · 4.625%
HK$35,246
+HK$1,765/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,962/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,312
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,348
−HK$1,053/mo
Today · 4.125%
HK$35,401
baseline
▲ 0.50% · 4.625%
HK$37,555
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,802/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,059
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,053
−HK$1,008/mo
Today · 4.125%
HK$39,061
baseline
▲ 0.50% · 4.625%
HK$41,120
+HK$2,059/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,122/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,829
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,162
−HK$1,353/mo
Today · 4.125%
HK$45,515
baseline
▲ 0.50% · 4.625%
HK$48,285
+HK$2,770/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,030/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,647
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,925
−HK$1,297/mo
Today · 4.125%
HK$50,222
baseline
▲ 0.50% · 4.625%
HK$52,869
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,444/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,307 · Scale 2, in force from 26 Feb 2026)