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$23,773
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,513
−HK$751/mo
Today · 4.125%
HK$25,264
baseline
▲ 0.50% · 4.625%
HK$26,801
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,528/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,447
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,157
−HK$719/mo
Today · 4.125%
HK$27,876
baseline
▲ 0.50% · 4.625%
HK$29,346
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,752/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,528
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,415
−HK$902/mo
Today · 4.125%
HK$30,317
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,844/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$390,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,737
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,588
−HK$864/mo
Today · 4.125%
HK$33,452
baseline
▲ 0.50% · 4.625%
HK$35,215
+HK$1,763/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$390,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,282
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,318
−HK$1,052/mo
Today · 4.125%
HK$35,370
baseline
▲ 0.50% · 4.625%
HK$37,522
+HK$2,152/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$390,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,026
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,019
−HK$1,008/mo
Today · 4.125%
HK$39,027
baseline
▲ 0.50% · 4.625%
HK$41,084
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,054/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,792
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,123
−HK$1,352/mo
Today · 4.125%
HK$45,475
baseline
▲ 0.50% · 4.625%
HK$48,242
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,950/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,605
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,882
−HK$1,295/mo
Today · 4.125%
HK$50,177
baseline
▲ 0.50% · 4.625%
HK$52,822
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,354/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,963 · Scale 2, in force from 26 Feb 2026)