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$23,780
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,520
−HK$751/mo
Today · 4.125%
HK$25,271
baseline
▲ 0.50% · 4.625%
HK$26,809
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,542/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,455
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,165
−HK$719/mo
Today · 4.125%
HK$27,884
baseline
▲ 0.50% · 4.625%
HK$29,354
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,768/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,536
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,424
−HK$902/mo
Today · 4.125%
HK$30,326
baseline
▲ 0.50% · 4.625%
HK$32,171
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,652/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,746
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,597
−HK$864/mo
Today · 4.125%
HK$33,461
baseline
▲ 0.50% · 4.625%
HK$35,225
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,922/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,292
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,328
−HK$1,052/mo
Today · 4.125%
HK$35,380
baseline
▲ 0.50% · 4.625%
HK$37,533
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,760/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,037
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,030
−HK$1,008/mo
Today · 4.125%
HK$39,038
baseline
▲ 0.50% · 4.625%
HK$41,096
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,076/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,804
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,136
−HK$1,352/mo
Today · 4.125%
HK$45,488
baseline
▲ 0.50% · 4.625%
HK$48,256
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,976/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,619
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,896
−HK$1,296/mo
Today · 4.125%
HK$50,192
baseline
▲ 0.50% · 4.625%
HK$52,838
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,384/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,076 · Scale 2, in force from 26 Feb 2026)