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$23,765
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,504
−HK$751/mo
Today · 4.125%
HK$25,255
baseline
▲ 0.50% · 4.625%
HK$26,792
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,510/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,438
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,147
−HK$720/mo
Today · 4.125%
HK$27,867
baseline
▲ 0.50% · 4.625%
HK$29,335
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,734/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,518
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,405
−HK$901/mo
Today · 4.125%
HK$30,306
baseline
▲ 0.50% · 4.625%
HK$32,150
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,612/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,726
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,577
−HK$863/mo
Today · 4.125%
HK$33,440
baseline
▲ 0.50% · 4.625%
HK$35,203
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,880/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,271
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,306
−HK$1,051/mo
Today · 4.125%
HK$35,357
baseline
▲ 0.50% · 4.625%
HK$37,509
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,714/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,013
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,006
−HK$1,007/mo
Today · 4.125%
HK$39,013
baseline
▲ 0.50% · 4.625%
HK$41,070
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,026/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,777
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,107
−HK$1,352/mo
Today · 4.125%
HK$45,459
baseline
▲ 0.50% · 4.625%
HK$48,225
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,918/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,589
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,865
−HK$1,295/mo
Today · 4.125%
HK$50,160
baseline
▲ 0.50% · 4.625%
HK$52,804
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,320/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,826 · Scale 2, in force from 26 Feb 2026)