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$23,775
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,515
−HK$751/mo
Today · 4.125%
HK$25,266
baseline
▲ 0.50% · 4.625%
HK$26,804
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,532/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,450
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$720/mo
Today · 4.125%
HK$27,879
baseline
▲ 0.50% · 4.625%
HK$29,348
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,758/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,530
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,418
−HK$901/mo
Today · 4.125%
HK$30,319
baseline
▲ 0.50% · 4.625%
HK$32,164
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,638/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,740
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,591
−HK$863/mo
Today · 4.125%
HK$33,454
baseline
▲ 0.50% · 4.625%
HK$35,218
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,908/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,285
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,321
−HK$1,052/mo
Today · 4.125%
HK$35,373
baseline
▲ 0.50% · 4.625%
HK$37,525
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,746/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,030
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,023
−HK$1,007/mo
Today · 4.125%
HK$39,030
baseline
▲ 0.50% · 4.625%
HK$41,087
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,060/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,795
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,127
−HK$1,352/mo
Today · 4.125%
HK$45,479
baseline
▲ 0.50% · 4.625%
HK$48,246
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,958/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,609
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,886
−HK$1,296/mo
Today · 4.125%
HK$50,182
baseline
▲ 0.50% · 4.625%
HK$52,827
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,364/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,996 · Scale 2, in force from 26 Feb 2026)