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$23,774
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,513
−HK$752/mo
Today · 4.125%
HK$25,265
baseline
▲ 0.50% · 4.625%
HK$26,802
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,530/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,448
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,157
−HK$720/mo
Today · 4.125%
HK$27,877
baseline
▲ 0.50% · 4.625%
HK$29,346
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,754/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,528
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,416
−HK$901/mo
Today · 4.125%
HK$30,317
baseline
▲ 0.50% · 4.625%
HK$32,162
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,634/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,738
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,589
−HK$863/mo
Today · 4.125%
HK$33,452
baseline
▲ 0.50% · 4.625%
HK$35,216
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,904/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,283
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,319
−HK$1,051/mo
Today · 4.125%
HK$35,370
baseline
▲ 0.50% · 4.625%
HK$37,523
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,740/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,027
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,020
−HK$1,008/mo
Today · 4.125%
HK$39,028
baseline
▲ 0.50% · 4.625%
HK$41,085
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,056/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,793
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,124
−HK$1,352/mo
Today · 4.125%
HK$45,476
baseline
▲ 0.50% · 4.625%
HK$48,243
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,952/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,606
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,883
−HK$1,295/mo
Today · 4.125%
HK$50,178
baseline
▲ 0.50% · 4.625%
HK$52,823
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,356/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,972 · Scale 2, in force from 26 Feb 2026)