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$23,768
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,507
−HK$752/mo
Today · 4.125%
HK$25,259
baseline
▲ 0.50% · 4.625%
HK$26,796
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,518/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,442
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$719/mo
Today · 4.125%
HK$27,870
baseline
▲ 0.50% · 4.625%
HK$29,339
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,740/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,522
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,409
−HK$901/mo
Today · 4.125%
HK$30,310
baseline
▲ 0.50% · 4.625%
HK$32,155
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,620/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,730
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,581
−HK$863/mo
Today · 4.125%
HK$33,444
baseline
▲ 0.50% · 4.625%
HK$35,207
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,888/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,275
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,310
−HK$1,052/mo
Today · 4.125%
HK$35,362
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,724/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,019
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,011
−HK$1,008/mo
Today · 4.125%
HK$39,019
baseline
▲ 0.50% · 4.625%
HK$41,075
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,038/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,783
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,113
−HK$1,353/mo
Today · 4.125%
HK$45,466
baseline
▲ 0.50% · 4.625%
HK$48,232
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,932/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,595
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,872
−HK$1,295/mo
Today · 4.125%
HK$50,167
baseline
▲ 0.50% · 4.625%
HK$52,811
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,334/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,880 · Scale 2, in force from 26 Feb 2026)