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$23,751
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,489
−HK$751/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,776
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,422
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$719/mo
Today · 4.125%
HK$27,850
baseline
▲ 0.50% · 4.625%
HK$29,318
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,700/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,501
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$901/mo
Today · 4.125%
HK$30,288
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,576/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,707
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$863/mo
Today · 4.125%
HK$33,420
baseline
▲ 0.50% · 4.625%
HK$35,182
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,840/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,251
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,285
−HK$1,051/mo
Today · 4.125%
HK$35,336
baseline
▲ 0.50% · 4.625%
HK$37,486
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,672/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,991
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,983
−HK$1,007/mo
Today · 4.125%
HK$38,990
baseline
▲ 0.50% · 4.625%
HK$41,045
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,980/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,751
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,081
−HK$1,351/mo
Today · 4.125%
HK$45,432
baseline
▲ 0.50% · 4.625%
HK$48,197
+HK$2,765/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,864/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,560
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,836
−HK$1,294/mo
Today · 4.125%
HK$50,130
baseline
▲ 0.50% · 4.625%
HK$52,772
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,260/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,593 · Scale 2, in force from 26 Feb 2026)