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$23,793
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,533
−HK$752/mo
Today · 4.125%
HK$25,285
baseline
▲ 0.50% · 4.625%
HK$26,823
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,570/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,469
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,179
−HK$720/mo
Today · 4.125%
HK$27,899
baseline
▲ 0.50% · 4.625%
HK$29,370
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,798/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,551
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,439
−HK$902/mo
Today · 4.125%
HK$30,341
baseline
▲ 0.50% · 4.625%
HK$32,188
+HK$1,847/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,682/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,763
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,615
−HK$864/mo
Today · 4.125%
HK$33,479
baseline
▲ 0.50% · 4.625%
HK$35,243
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,958/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,310
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,346
−HK$1,052/mo
Today · 4.125%
HK$35,398
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,796/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,057
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,050
−HK$1,009/mo
Today · 4.125%
HK$39,059
baseline
▲ 0.50% · 4.625%
HK$41,117
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,118/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,827
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,159
−HK$1,353/mo
Today · 4.125%
HK$45,512
baseline
▲ 0.50% · 4.625%
HK$48,281
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,024/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,644
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,922
−HK$1,296/mo
Today · 4.125%
HK$50,218
baseline
▲ 0.50% · 4.625%
HK$52,865
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,436/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,281 · Scale 2, in force from 26 Feb 2026)