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$23,751
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,490
−HK$751/mo
Today · 4.125%
HK$25,241
baseline
▲ 0.50% · 4.625%
HK$26,776
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,482/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,423
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,132
−HK$718/mo
Today · 4.125%
HK$27,850
baseline
▲ 0.50% · 4.625%
HK$29,318
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,700/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,501
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,388
−HK$901/mo
Today · 4.125%
HK$30,289
baseline
▲ 0.50% · 4.625%
HK$32,132
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,578/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,707
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,558
−HK$863/mo
Today · 4.125%
HK$33,421
baseline
▲ 0.50% · 4.625%
HK$35,182
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,842/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,286
−HK$1,051/mo
Today · 4.125%
HK$35,337
baseline
▲ 0.50% · 4.625%
HK$37,487
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,674/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,992
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,984
−HK$1,007/mo
Today · 4.125%
HK$38,991
baseline
▲ 0.50% · 4.625%
HK$41,046
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,982/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,752
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,082
−HK$1,351/mo
Today · 4.125%
HK$45,433
baseline
▲ 0.50% · 4.625%
HK$48,197
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,866/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,561
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,837
−HK$1,294/mo
Today · 4.125%
HK$50,131
baseline
▲ 0.50% · 4.625%
HK$52,773
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,262/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,600 · Scale 2, in force from 26 Feb 2026)