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$23,826
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,568
−HK$752/mo
Today · 4.125%
HK$25,320
baseline
▲ 0.50% · 4.625%
HK$26,861
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,640/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,507
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,217
−HK$722/mo
Today · 4.125%
HK$27,939
baseline
▲ 0.50% · 4.625%
HK$29,411
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,878/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,592
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,481
−HK$904/mo
Today · 4.125%
HK$30,385
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,770/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,808
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,661
−HK$865/mo
Today · 4.125%
HK$33,526
baseline
▲ 0.50% · 4.625%
HK$35,294
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,052/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,357
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,395
−HK$1,054/mo
Today · 4.125%
HK$35,449
baseline
▲ 0.50% · 4.625%
HK$37,606
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,898/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,109
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,104
−HK$1,010/mo
Today · 4.125%
HK$39,114
baseline
▲ 0.50% · 4.625%
HK$41,176
+HK$2,062/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,228/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,887
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,222
−HK$1,355/mo
Today · 4.125%
HK$45,577
baseline
▲ 0.50% · 4.625%
HK$48,350
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,154/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,712
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,991
−HK$1,299/mo
Today · 4.125%
HK$50,290
baseline
▲ 0.50% · 4.625%
HK$52,940
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,580/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,838 · Scale 2, in force from 26 Feb 2026)