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$23,783
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,523
−HK$751/mo
Today · 4.125%
HK$25,274
baseline
▲ 0.50% · 4.625%
HK$26,812
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,548/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,458
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,168
−HK$720/mo
Today · 4.125%
HK$27,888
baseline
▲ 0.50% · 4.625%
HK$29,358
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,776/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,539
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,427
−HK$902/mo
Today · 4.125%
HK$30,329
baseline
▲ 0.50% · 4.625%
HK$32,175
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,658/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,750
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,601
−HK$864/mo
Today · 4.125%
HK$33,465
baseline
▲ 0.50% · 4.625%
HK$35,229
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,930/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,296
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$1,052/mo
Today · 4.125%
HK$35,384
baseline
▲ 0.50% · 4.625%
HK$37,537
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,768/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,041
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,035
−HK$1,008/mo
Today · 4.125%
HK$39,043
baseline
▲ 0.50% · 4.625%
HK$41,101
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,086/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,809
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,141
−HK$1,353/mo
Today · 4.125%
HK$45,494
baseline
▲ 0.50% · 4.625%
HK$48,262
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,988/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,625
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,902
−HK$1,296/mo
Today · 4.125%
HK$50,198
baseline
▲ 0.50% · 4.625%
HK$52,844
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,396/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,122 · Scale 2, in force from 26 Feb 2026)