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$23,748
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,487
−HK$751/mo
Today · 4.125%
HK$25,238
baseline
▲ 0.50% · 4.625%
HK$26,773
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,476/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,128
−HK$719/mo
Today · 4.125%
HK$27,847
baseline
▲ 0.50% · 4.625%
HK$29,315
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,694/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,498
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,384
−HK$901/mo
Today · 4.125%
HK$30,285
baseline
▲ 0.50% · 4.625%
HK$32,128
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,570/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,704
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,554
−HK$863/mo
Today · 4.125%
HK$33,417
baseline
▲ 0.50% · 4.625%
HK$35,178
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,834/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,248
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,282
−HK$1,051/mo
Today · 4.125%
HK$35,333
baseline
▲ 0.50% · 4.625%
HK$37,483
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,666/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,988
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,980
−HK$1,006/mo
Today · 4.125%
HK$38,986
baseline
▲ 0.50% · 4.625%
HK$41,041
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,972/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,747
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,077
−HK$1,351/mo
Today · 4.125%
HK$45,428
baseline
▲ 0.50% · 4.625%
HK$48,192
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,856/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,556
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,831
−HK$1,294/mo
Today · 4.125%
HK$50,125
baseline
▲ 0.50% · 4.625%
HK$52,767
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,250/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,555 · Scale 2, in force from 26 Feb 2026)