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$23,753
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,491
−HK$751/mo
Today · 4.125%
HK$25,242
baseline
▲ 0.50% · 4.625%
HK$26,778
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,484/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,425
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,133
−HK$719/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,320
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,503
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,390
−HK$901/mo
Today · 4.125%
HK$30,291
baseline
▲ 0.50% · 4.625%
HK$32,134
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,582/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,709
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,560
−HK$863/mo
Today · 4.125%
HK$33,423
baseline
▲ 0.50% · 4.625%
HK$35,184
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,846/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,254
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,288
−HK$1,051/mo
Today · 4.125%
HK$35,339
baseline
▲ 0.50% · 4.625%
HK$37,489
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,678/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,994
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,987
−HK$1,006/mo
Today · 4.125%
HK$38,993
baseline
▲ 0.50% · 4.625%
HK$41,048
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,986/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,755
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,085
−HK$1,351/mo
Today · 4.125%
HK$45,436
baseline
▲ 0.50% · 4.625%
HK$48,200
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,872/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,564
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,840
−HK$1,294/mo
Today · 4.125%
HK$50,134
baseline
▲ 0.50% · 4.625%
HK$52,777
+HK$2,643/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,268/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,624 · Scale 2, in force from 26 Feb 2026)