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$23,756
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,495
−HK$750/mo
Today · 4.125%
HK$25,245
baseline
▲ 0.50% · 4.625%
HK$26,782
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,490/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,428
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$719/mo
Today · 4.125%
HK$27,856
baseline
▲ 0.50% · 4.625%
HK$29,324
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,712/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,507
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,394
−HK$901/mo
Today · 4.125%
HK$30,295
baseline
▲ 0.50% · 4.625%
HK$32,138
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,590/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,714
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,564
−HK$863/mo
Today · 4.125%
HK$33,427
baseline
▲ 0.50% · 4.625%
HK$35,189
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,854/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,258
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,293
−HK$1,051/mo
Today · 4.125%
HK$35,344
baseline
▲ 0.50% · 4.625%
HK$37,494
+HK$2,150/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,688/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,999
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,992
−HK$1,006/mo
Today · 4.125%
HK$38,998
baseline
▲ 0.50% · 4.625%
HK$41,054
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$77,996/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,760
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,090
−HK$1,352/mo
Today · 4.125%
HK$45,442
baseline
▲ 0.50% · 4.625%
HK$48,207
+HK$2,765/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,884/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,570
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,846
−HK$1,295/mo
Today · 4.125%
HK$50,141
baseline
▲ 0.50% · 4.625%
HK$52,784
+HK$2,643/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,282/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,676 · Scale 2, in force from 26 Feb 2026)