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$23,773
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,512
−HK$751/mo
Today · 4.125%
HK$25,263
baseline
▲ 0.50% · 4.625%
HK$26,801
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,526/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,447
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,156
−HK$720/mo
Today · 4.125%
HK$27,876
baseline
▲ 0.50% · 4.625%
HK$29,345
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,752/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,527
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,414
−HK$902/mo
Today · 4.125%
HK$30,316
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,632/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,736
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,587
−HK$864/mo
Today · 4.125%
HK$33,451
baseline
▲ 0.50% · 4.625%
HK$35,214
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,902/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,282
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,317
−HK$1,052/mo
Today · 4.125%
HK$35,369
baseline
▲ 0.50% · 4.625%
HK$37,521
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,738/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,026
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,019
−HK$1,007/mo
Today · 4.125%
HK$39,026
baseline
▲ 0.50% · 4.625%
HK$41,083
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,052/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,791
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,122
−HK$1,352/mo
Today · 4.125%
HK$45,474
baseline
▲ 0.50% · 4.625%
HK$48,241
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,948/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,604
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,881
−HK$1,295/mo
Today · 4.125%
HK$50,176
baseline
▲ 0.50% · 4.625%
HK$52,821
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,352/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,953 · Scale 2, in force from 26 Feb 2026)