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$23,775
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,514
−HK$752/mo
Today · 4.125%
HK$25,266
baseline
▲ 0.50% · 4.625%
HK$26,803
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,532/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,449
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,158
−HK$720/mo
Today · 4.125%
HK$27,878
baseline
▲ 0.50% · 4.625%
HK$29,348
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,756/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,530
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,417
−HK$902/mo
Today · 4.125%
HK$30,319
baseline
▲ 0.50% · 4.625%
HK$32,163
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,638/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,739
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,590
−HK$864/mo
Today · 4.125%
HK$33,454
baseline
▲ 0.50% · 4.625%
HK$35,217
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,908/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,285
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,320
−HK$1,052/mo
Today · 4.125%
HK$35,372
baseline
▲ 0.50% · 4.625%
HK$37,524
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,744/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,029
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,022
−HK$1,007/mo
Today · 4.125%
HK$39,029
baseline
▲ 0.50% · 4.625%
HK$41,087
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,058/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,794
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,126
−HK$1,352/mo
Today · 4.125%
HK$45,478
baseline
▲ 0.50% · 4.625%
HK$48,245
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,956/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,608
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,885
−HK$1,295/mo
Today · 4.125%
HK$50,180
baseline
▲ 0.50% · 4.625%
HK$52,826
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,360/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,987 · Scale 2, in force from 26 Feb 2026)