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$23,767
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,506
−HK$751/mo
Today · 4.125%
HK$25,257
baseline
▲ 0.50% · 4.625%
HK$26,794
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,514/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,441
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,150
−HK$719/mo
Today · 4.125%
HK$27,869
baseline
▲ 0.50% · 4.625%
HK$29,338
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,738/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,520
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,408
−HK$901/mo
Today · 4.125%
HK$30,309
baseline
▲ 0.50% · 4.625%
HK$32,153
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,618/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,729
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,580
−HK$863/mo
Today · 4.125%
HK$33,443
baseline
▲ 0.50% · 4.625%
HK$35,206
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,886/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,274
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,309
−HK$1,051/mo
Today · 4.125%
HK$35,360
baseline
▲ 0.50% · 4.625%
HK$37,512
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,720/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,017
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,009
−HK$1,008/mo
Today · 4.125%
HK$39,017
baseline
▲ 0.50% · 4.625%
HK$41,073
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,034/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,781
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,111
−HK$1,352/mo
Today · 4.125%
HK$45,463
baseline
▲ 0.50% · 4.625%
HK$48,230
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,926/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,593
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,869
−HK$1,295/mo
Today · 4.125%
HK$50,164
baseline
▲ 0.50% · 4.625%
HK$52,808
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,328/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,861 · Scale 2, in force from 26 Feb 2026)