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$23,749
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,488
−HK$750/mo
Today · 4.125%
HK$25,238
baseline
▲ 0.50% · 4.625%
HK$26,774
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,476/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,129
−HK$719/mo
Today · 4.125%
HK$27,848
baseline
▲ 0.50% · 4.625%
HK$29,316
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,696/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,499
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,385
−HK$901/mo
Today · 4.125%
HK$30,286
baseline
▲ 0.50% · 4.625%
HK$32,129
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,572/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,705
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,555
−HK$862/mo
Today · 4.125%
HK$33,417
baseline
▲ 0.50% · 4.625%
HK$35,179
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,834/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,249
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,283
−HK$1,051/mo
Today · 4.125%
HK$35,334
baseline
▲ 0.50% · 4.625%
HK$37,484
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,668/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,989
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,981
−HK$1,006/mo
Today · 4.125%
HK$38,987
baseline
▲ 0.50% · 4.625%
HK$41,042
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,974/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,748
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,078
−HK$1,351/mo
Today · 4.125%
HK$45,429
baseline
▲ 0.50% · 4.625%
HK$48,193
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,858/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,557
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,832
−HK$1,294/mo
Today · 4.125%
HK$50,126
baseline
▲ 0.50% · 4.625%
HK$52,768
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,252/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,565 · Scale 2, in force from 26 Feb 2026)