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$23,766
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,505
−HK$751/mo
Today · 4.125%
HK$25,256
baseline
▲ 0.50% · 4.625%
HK$26,793
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,512/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,439
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$720/mo
Today · 4.125%
HK$27,868
baseline
▲ 0.50% · 4.625%
HK$29,337
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,736/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,519
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$901/mo
Today · 4.125%
HK$30,307
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,614/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,727
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$863/mo
Today · 4.125%
HK$33,441
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,882/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,272
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,307
−HK$1,052/mo
Today · 4.125%
HK$35,359
baseline
▲ 0.50% · 4.625%
HK$37,510
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,718/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,015
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,008
−HK$1,007/mo
Today · 4.125%
HK$39,015
baseline
▲ 0.50% · 4.625%
HK$41,071
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,030/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,778
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,109
−HK$1,352/mo
Today · 4.125%
HK$45,461
baseline
▲ 0.50% · 4.625%
HK$48,227
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,922/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,591
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,867
−HK$1,295/mo
Today · 4.125%
HK$50,162
baseline
▲ 0.50% · 4.625%
HK$52,806
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,324/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,841 · Scale 2, in force from 26 Feb 2026)