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$23,742
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,481
−HK$750/mo
Today · 4.125%
HK$25,231
baseline
▲ 0.50% · 4.625%
HK$26,766
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,462/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,413
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,121
−HK$719/mo
Today · 4.125%
HK$27,840
baseline
▲ 0.50% · 4.625%
HK$29,307
+HK$1,467/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,680/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,491
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,377
−HK$900/mo
Today · 4.125%
HK$30,277
baseline
▲ 0.50% · 4.625%
HK$32,119
+HK$1,842/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,554/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,695
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,546
−HK$862/mo
Today · 4.125%
HK$33,408
baseline
▲ 0.50% · 4.625%
HK$35,169
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,816/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,273
−HK$1,050/mo
Today · 4.125%
HK$35,323
baseline
▲ 0.50% · 4.625%
HK$37,473
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,646/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,978
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,970
−HK$1,006/mo
Today · 4.125%
HK$38,976
baseline
▲ 0.50% · 4.625%
HK$41,030
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,952/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,736
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,065
−HK$1,351/mo
Today · 4.125%
HK$45,416
baseline
▲ 0.50% · 4.625%
HK$48,179
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,832/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,543
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,818
−HK$1,294/mo
Today · 4.125%
HK$50,112
baseline
▲ 0.50% · 4.625%
HK$52,753
+HK$2,641/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,224/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,453 · Scale 2, in force from 26 Feb 2026)