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$23,786
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,526
−HK$752/mo
Today · 4.125%
HK$25,278
baseline
▲ 0.50% · 4.625%
HK$26,816
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,556/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,462
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,172
−HK$719/mo
Today · 4.125%
HK$27,891
baseline
▲ 0.50% · 4.625%
HK$29,362
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,782/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,543
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$902/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$32,179
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,754
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,606
−HK$864/mo
Today · 4.125%
HK$33,470
baseline
▲ 0.50% · 4.625%
HK$35,234
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,940/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,301
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,336
−HK$1,053/mo
Today · 4.125%
HK$35,389
baseline
▲ 0.50% · 4.625%
HK$37,542
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,778/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,047
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,040
−HK$1,008/mo
Today · 4.125%
HK$39,048
baseline
▲ 0.50% · 4.625%
HK$41,106
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,096/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,815
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,147
−HK$1,353/mo
Today · 4.125%
HK$45,500
baseline
▲ 0.50% · 4.625%
HK$48,269
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,000/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,631
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,909
−HK$1,296/mo
Today · 4.125%
HK$50,205
baseline
▲ 0.50% · 4.625%
HK$52,851
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,410/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,176 · Scale 2, in force from 26 Feb 2026)