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$23,798
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,538
−HK$752/mo
Today · 4.125%
HK$25,290
baseline
▲ 0.50% · 4.625%
HK$26,829
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,580/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,475
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,185
−HK$720/mo
Today · 4.125%
HK$27,905
baseline
▲ 0.50% · 4.625%
HK$29,376
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,810/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,557
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,446
−HK$902/mo
Today · 4.125%
HK$30,348
baseline
▲ 0.50% · 4.625%
HK$32,195
+HK$1,847/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,696/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,770
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,622
−HK$864/mo
Today · 4.125%
HK$33,486
baseline
▲ 0.50% · 4.625%
HK$35,251
+HK$1,765/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,972/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,317
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,353
−HK$1,053/mo
Today · 4.125%
HK$35,406
baseline
▲ 0.50% · 4.625%
HK$37,561
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,812/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,065
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,059
−HK$1,008/mo
Today · 4.125%
HK$39,067
baseline
▲ 0.50% · 4.625%
HK$41,127
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,134/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,836
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,169
−HK$1,353/mo
Today · 4.125%
HK$45,522
baseline
▲ 0.50% · 4.625%
HK$48,292
+HK$2,770/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,044/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,655
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,933
−HK$1,296/mo
Today · 4.125%
HK$50,229
baseline
▲ 0.50% · 4.625%
HK$52,877
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,458/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,368 · Scale 2, in force from 26 Feb 2026)