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$23,810
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,551
−HK$752/mo
Today · 4.125%
HK$25,303
baseline
▲ 0.50% · 4.625%
HK$26,843
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,606/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,488
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$720/mo
Today · 4.125%
HK$27,919
baseline
▲ 0.50% · 4.625%
HK$29,391
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,838/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,572
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,461
−HK$903/mo
Today · 4.125%
HK$30,364
baseline
▲ 0.50% · 4.625%
HK$32,211
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,728/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,786
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,638
−HK$865/mo
Today · 4.125%
HK$33,503
baseline
▲ 0.50% · 4.625%
HK$35,269
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,006/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,334
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,371
−HK$1,053/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,580
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,084
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,078
−HK$1,009/mo
Today · 4.125%
HK$39,087
baseline
▲ 0.50% · 4.625%
HK$41,147
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,174/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,858
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,191
−HK$1,354/mo
Today · 4.125%
HK$45,545
baseline
▲ 0.50% · 4.625%
HK$48,317
+HK$2,772/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,090/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,679
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,958
−HK$1,297/mo
Today · 4.125%
HK$50,255
baseline
▲ 0.50% · 4.625%
HK$52,904
+HK$2,649/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,510/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,567 · Scale 2, in force from 26 Feb 2026)