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$23,747
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,486
−HK$750/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,772
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,418
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,127
−HK$719/mo
Today · 4.125%
HK$27,846
baseline
▲ 0.50% · 4.625%
HK$29,314
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,692/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,497
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,383
−HK$901/mo
Today · 4.125%
HK$30,284
baseline
▲ 0.50% · 4.625%
HK$32,126
+HK$1,842/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,568/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,702
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,552
−HK$863/mo
Today · 4.125%
HK$33,415
baseline
▲ 0.50% · 4.625%
HK$35,176
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,830/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,246
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,280
−HK$1,051/mo
Today · 4.125%
HK$35,331
baseline
▲ 0.50% · 4.625%
HK$37,481
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,662/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,986
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,978
−HK$1,006/mo
Today · 4.125%
HK$38,984
baseline
▲ 0.50% · 4.625%
HK$41,039
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,968/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,745
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,075
−HK$1,350/mo
Today · 4.125%
HK$45,425
baseline
▲ 0.50% · 4.625%
HK$48,189
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,850/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,553
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,829
−HK$1,293/mo
Today · 4.125%
HK$50,122
baseline
▲ 0.50% · 4.625%
HK$52,764
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,244/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,535 · Scale 2, in force from 26 Feb 2026)