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$23,745
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,483
−HK$751/mo
Today · 4.125%
HK$25,234
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,468/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,416
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,124
−HK$719/mo
Today · 4.125%
HK$27,843
baseline
▲ 0.50% · 4.625%
HK$29,311
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,686/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,494
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,380
−HK$901/mo
Today · 4.125%
HK$30,281
baseline
▲ 0.50% · 4.625%
HK$32,123
+HK$1,842/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,562/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,699
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$863/mo
Today · 4.125%
HK$33,412
baseline
▲ 0.50% · 4.625%
HK$35,173
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,824/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,243
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,277
−HK$1,050/mo
Today · 4.125%
HK$35,327
baseline
▲ 0.50% · 4.625%
HK$37,477
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,654/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,982
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,974
−HK$1,006/mo
Today · 4.125%
HK$38,980
baseline
▲ 0.50% · 4.625%
HK$41,035
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,960/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,741
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,070
−HK$1,351/mo
Today · 4.125%
HK$45,421
baseline
▲ 0.50% · 4.625%
HK$48,185
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,842/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,549
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,824
−HK$1,293/mo
Today · 4.125%
HK$50,117
baseline
▲ 0.50% · 4.625%
HK$52,759
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,234/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,496 · Scale 2, in force from 26 Feb 2026)