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$23,788
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,528
−HK$752/mo
Today · 4.125%
HK$25,280
baseline
▲ 0.50% · 4.625%
HK$26,818
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,560/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,464
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,174
−HK$720/mo
Today · 4.125%
HK$27,894
baseline
▲ 0.50% · 4.625%
HK$29,364
+HK$1,470/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,788/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,546
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$902/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$32,182
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,757
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,609
−HK$864/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,237
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,303
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,339
−HK$1,053/mo
Today · 4.125%
HK$35,392
baseline
▲ 0.50% · 4.625%
HK$37,545
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,784/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,050
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,043
−HK$1,008/mo
Today · 4.125%
HK$39,051
baseline
▲ 0.50% · 4.625%
HK$41,110
+HK$2,059/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,102/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,819
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,151
−HK$1,353/mo
Today · 4.125%
HK$45,504
baseline
▲ 0.50% · 4.625%
HK$48,273
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,008/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,635
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,913
−HK$1,296/mo
Today · 4.125%
HK$50,209
baseline
▲ 0.50% · 4.625%
HK$52,856
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,418/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,210 · Scale 2, in force from 26 Feb 2026)