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$23,803
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,543
−HK$752/mo
Today · 4.125%
HK$25,295
baseline
▲ 0.50% · 4.625%
HK$26,834
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,590/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,480
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,190
−HK$721/mo
Today · 4.125%
HK$27,911
baseline
▲ 0.50% · 4.625%
HK$29,382
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,822/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,563
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,452
−HK$902/mo
Today · 4.125%
HK$30,354
baseline
▲ 0.50% · 4.625%
HK$32,201
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,708/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,776
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,628
−HK$865/mo
Today · 4.125%
HK$33,493
baseline
▲ 0.50% · 4.625%
HK$35,258
+HK$1,765/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$66,986/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,324
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,360
−HK$1,053/mo
Today · 4.125%
HK$35,413
baseline
▲ 0.50% · 4.625%
HK$37,568
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,826/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,072
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,066
−HK$1,009/mo
Today · 4.125%
HK$39,075
baseline
▲ 0.50% · 4.625%
HK$41,135
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,150/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,845
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,177
−HK$1,354/mo
Today · 4.125%
HK$45,531
baseline
▲ 0.50% · 4.625%
HK$48,302
+HK$2,771/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,062/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,664
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,943
−HK$1,296/mo
Today · 4.125%
HK$50,239
baseline
▲ 0.50% · 4.625%
HK$52,888
+HK$2,649/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,478/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,446 · Scale 2, in force from 26 Feb 2026)