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$23,750
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,489
−HK$751/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,775
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,422
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$718/mo
Today · 4.125%
HK$27,849
baseline
▲ 0.50% · 4.625%
HK$29,317
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,698/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,500
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$901/mo
Today · 4.125%
HK$30,288
baseline
▲ 0.50% · 4.625%
HK$32,130
+HK$1,842/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,576/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,706
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$862/mo
Today · 4.125%
HK$33,419
baseline
▲ 0.50% · 4.625%
HK$35,181
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,838/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,250
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,285
−HK$1,050/mo
Today · 4.125%
HK$35,335
baseline
▲ 0.50% · 4.625%
HK$37,486
+HK$2,151/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,670/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,991
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,983
−HK$1,006/mo
Today · 4.125%
HK$38,989
baseline
▲ 0.50% · 4.625%
HK$41,044
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,978/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,750
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,080
−HK$1,351/mo
Today · 4.125%
HK$45,431
baseline
▲ 0.50% · 4.625%
HK$48,196
+HK$2,765/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,862/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,559
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,835
−HK$1,294/mo
Today · 4.125%
HK$50,129
baseline
▲ 0.50% · 4.625%
HK$52,771
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,258/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,586 · Scale 2, in force from 26 Feb 2026)