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$1,492/mo
▼ 0.25% · 3.875%
HK$24,530
−HK$752/mo
Today · 4.125%
HK$25,282
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,564/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,176
−HK$720/mo
Today · 4.125%
HK$27,896
baseline
▲ 0.50% · 4.625%
HK$29,367
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,792/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,548
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,436
−HK$902/mo
Today · 4.125%
HK$30,338
baseline
▲ 0.50% · 4.625%
HK$32,185
+HK$1,847/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$391,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,760
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,611
−HK$865/mo
Today · 4.125%
HK$33,476
baseline
▲ 0.50% · 4.625%
HK$35,240
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,952/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,306
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,342
−HK$1,053/mo
Today · 4.125%
HK$35,395
baseline
▲ 0.50% · 4.625%
HK$37,549
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,790/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,053
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,047
−HK$1,008/mo
Today · 4.125%
HK$39,055
baseline
▲ 0.50% · 4.625%
HK$41,113
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,110/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,822
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,154
−HK$1,354/mo
Today · 4.125%
HK$45,508
baseline
▲ 0.50% · 4.625%
HK$48,277
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,016/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,639
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,917
−HK$1,296/mo
Today · 4.125%
HK$50,213
baseline
▲ 0.50% · 4.625%
HK$52,860
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,426/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,243 · Scale 2, in force from 26 Feb 2026)