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$23,740
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,478
−HK$750/mo
Today · 4.125%
HK$25,228
baseline
▲ 0.50% · 4.625%
HK$26,763
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,456/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,410
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,118
−HK$719/mo
Today · 4.125%
HK$27,837
baseline
▲ 0.50% · 4.625%
HK$29,304
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,674/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,488
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,374
−HK$900/mo
Today · 4.125%
HK$30,274
baseline
▲ 0.50% · 4.625%
HK$32,116
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,548/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,692
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,542
−HK$862/mo
Today · 4.125%
HK$33,404
baseline
▲ 0.50% · 4.625%
HK$35,165
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,808/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,236
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,269
−HK$1,051/mo
Today · 4.125%
HK$35,320
baseline
▲ 0.50% · 4.625%
HK$37,469
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,640/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,974
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,966
−HK$1,006/mo
Today · 4.125%
HK$38,972
baseline
▲ 0.50% · 4.625%
HK$41,026
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,944/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,731
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,061
−HK$1,350/mo
Today · 4.125%
HK$45,411
baseline
▲ 0.50% · 4.625%
HK$48,174
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,822/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,538
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,813
−HK$1,294/mo
Today · 4.125%
HK$50,107
baseline
▲ 0.50% · 4.625%
HK$52,748
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,214/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,412 · Scale 2, in force from 26 Feb 2026)