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$23,772
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$751/mo
Today · 4.125%
HK$25,262
baseline
▲ 0.50% · 4.625%
HK$26,800
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,524/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,446
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,155
−HK$720/mo
Today · 4.125%
HK$27,875
baseline
▲ 0.50% · 4.625%
HK$29,344
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,750/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,526
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$902/mo
Today · 4.125%
HK$30,315
baseline
▲ 0.50% · 4.625%
HK$32,160
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,630/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,735
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,586
−HK$864/mo
Today · 4.125%
HK$33,450
baseline
▲ 0.50% · 4.625%
HK$35,213
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,900/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,280
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,316
−HK$1,051/mo
Today · 4.125%
HK$35,367
baseline
▲ 0.50% · 4.625%
HK$37,519
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,734/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,024
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,017
−HK$1,008/mo
Today · 4.125%
HK$39,025
baseline
▲ 0.50% · 4.625%
HK$41,082
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,050/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,789
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,120
−HK$1,352/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$48,239
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,603
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,879
−HK$1,295/mo
Today · 4.125%
HK$50,174
baseline
▲ 0.50% · 4.625%
HK$52,819
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,348/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,940 · Scale 2, in force from 26 Feb 2026)