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$23,759
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,498
−HK$751/mo
Today · 4.125%
HK$25,249
baseline
▲ 0.50% · 4.625%
HK$26,785
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,498/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,431
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,140
−HK$719/mo
Today · 4.125%
HK$27,859
baseline
▲ 0.50% · 4.625%
HK$29,328
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,718/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,510
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,397
−HK$901/mo
Today · 4.125%
HK$30,298
baseline
▲ 0.50% · 4.625%
HK$32,142
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,596/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,718
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,568
−HK$863/mo
Today · 4.125%
HK$33,431
baseline
▲ 0.50% · 4.625%
HK$35,193
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,862/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,262
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,297
−HK$1,051/mo
Today · 4.125%
HK$35,348
baseline
▲ 0.50% · 4.625%
HK$37,499
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,696/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,004
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,996
−HK$1,007/mo
Today · 4.125%
HK$39,003
baseline
▲ 0.50% · 4.625%
HK$41,059
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$78,006/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,766
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,096
−HK$1,351/mo
Today · 4.125%
HK$45,447
baseline
▲ 0.50% · 4.625%
HK$48,213
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,894/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,576
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,852
−HK$1,295/mo
Today · 4.125%
HK$50,147
baseline
▲ 0.50% · 4.625%
HK$52,790
+HK$2,643/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,294/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,725 · Scale 2, in force from 26 Feb 2026)