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$23,793
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,534
−HK$751/mo
Today · 4.125%
HK$25,285
baseline
▲ 0.50% · 4.625%
HK$26,824
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,570/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,470
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,180
−HK$720/mo
Today · 4.125%
HK$27,900
baseline
▲ 0.50% · 4.625%
HK$29,371
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,800/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,552
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,440
−HK$903/mo
Today · 4.125%
HK$30,343
baseline
▲ 0.50% · 4.625%
HK$32,189
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,686/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,764
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,616
−HK$864/mo
Today · 4.125%
HK$33,480
baseline
▲ 0.50% · 4.625%
HK$35,245
+HK$1,765/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,960/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,311
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,347
−HK$1,053/mo
Today · 4.125%
HK$35,400
baseline
▲ 0.50% · 4.625%
HK$37,554
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,800/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,058
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,052
−HK$1,008/mo
Today · 4.125%
HK$39,060
baseline
▲ 0.50% · 4.625%
HK$41,119
+HK$2,059/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,120/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,828
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,160
−HK$1,354/mo
Today · 4.125%
HK$45,514
baseline
▲ 0.50% · 4.625%
HK$48,283
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,028/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,646
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,924
−HK$1,296/mo
Today · 4.125%
HK$50,220
baseline
▲ 0.50% · 4.625%
HK$52,867
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,440/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,296 · Scale 2, in force from 26 Feb 2026)