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$23,759
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,498
−HK$751/mo
Today · 4.125%
HK$25,249
baseline
▲ 0.50% · 4.625%
HK$26,786
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,498/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,432
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,141
−HK$719/mo
Today · 4.125%
HK$27,860
baseline
▲ 0.50% · 4.625%
HK$29,329
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,720/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,511
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,398
−HK$901/mo
Today · 4.125%
HK$30,299
baseline
▲ 0.50% · 4.625%
HK$32,143
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,598/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,719
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,569
−HK$863/mo
Today · 4.125%
HK$33,432
baseline
▲ 0.50% · 4.625%
HK$35,194
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,864/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,263
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,298
−HK$1,051/mo
Today · 4.125%
HK$35,349
baseline
▲ 0.50% · 4.625%
HK$37,500
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,698/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,005
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,997
−HK$1,007/mo
Today · 4.125%
HK$39,004
baseline
▲ 0.50% · 4.625%
HK$41,060
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$78,008/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,767
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,097
−HK$1,352/mo
Today · 4.125%
HK$45,449
baseline
▲ 0.50% · 4.625%
HK$48,214
+HK$2,765/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,898/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,578
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,854
−HK$1,294/mo
Today · 4.125%
HK$50,148
baseline
▲ 0.50% · 4.625%
HK$52,792
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,296/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,737 · Scale 2, in force from 26 Feb 2026)