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$23,790
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,530
−HK$751/mo
Today · 4.125%
HK$25,281
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,562/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,175
−HK$720/mo
Today · 4.125%
HK$27,895
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,790/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,547
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,435
−HK$903/mo
Today · 4.125%
HK$30,338
baseline
▲ 0.50% · 4.625%
HK$32,184
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,676/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,759
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,610
−HK$865/mo
Today · 4.125%
HK$33,475
baseline
▲ 0.50% · 4.625%
HK$35,239
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,950/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,341
−HK$1,053/mo
Today · 4.125%
HK$35,394
baseline
▲ 0.50% · 4.625%
HK$37,548
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,788/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,052
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,046
−HK$1,008/mo
Today · 4.125%
HK$39,054
baseline
▲ 0.50% · 4.625%
HK$41,112
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,108/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,821
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,153
−HK$1,353/mo
Today · 4.125%
HK$45,506
baseline
▲ 0.50% · 4.625%
HK$48,275
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,012/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,638
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,916
−HK$1,296/mo
Today · 4.125%
HK$50,212
baseline
▲ 0.50% · 4.625%
HK$52,859
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,424/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,232 · Scale 2, in force from 26 Feb 2026)