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$23,764
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,503
−HK$751/mo
Today · 4.125%
HK$25,254
baseline
▲ 0.50% · 4.625%
HK$26,791
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,508/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,437
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,146
−HK$719/mo
Today · 4.125%
HK$27,865
baseline
▲ 0.50% · 4.625%
HK$29,334
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,730/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,517
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,404
−HK$901/mo
Today · 4.125%
HK$30,305
baseline
▲ 0.50% · 4.625%
HK$32,149
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,610/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,724
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,575
−HK$863/mo
Today · 4.125%
HK$33,438
baseline
▲ 0.50% · 4.625%
HK$35,201
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,876/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,269
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,304
−HK$1,052/mo
Today · 4.125%
HK$35,356
baseline
▲ 0.50% · 4.625%
HK$37,507
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,712/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,012
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,004
−HK$1,007/mo
Today · 4.125%
HK$39,011
baseline
▲ 0.50% · 4.625%
HK$41,068
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,022/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,775
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,105
−HK$1,352/mo
Today · 4.125%
HK$45,457
baseline
▲ 0.50% · 4.625%
HK$48,223
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,914/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,587
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,863
−HK$1,295/mo
Today · 4.125%
HK$50,158
baseline
▲ 0.50% · 4.625%
HK$52,802
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,316/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,809 · Scale 2, in force from 26 Feb 2026)