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$23,776
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,515
−HK$752/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,804
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,534/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$391,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,450
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,160
−HK$719/mo
Today · 4.125%
HK$27,879
baseline
▲ 0.50% · 4.625%
HK$29,349
+HK$1,470/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$391,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,531
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,418
−HK$902/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$32,165
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,740
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,591
−HK$864/mo
Today · 4.125%
HK$33,455
baseline
▲ 0.50% · 4.625%
HK$35,219
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,910/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,286
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,321
−HK$1,052/mo
Today · 4.125%
HK$35,373
baseline
▲ 0.50% · 4.625%
HK$37,526
+HK$2,153/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$391,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,030
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,023
−HK$1,008/mo
Today · 4.125%
HK$39,031
baseline
▲ 0.50% · 4.625%
HK$41,088
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,062/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,796
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,127
−HK$1,353/mo
Today · 4.125%
HK$45,480
baseline
▲ 0.50% · 4.625%
HK$48,247
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,960/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,610
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,887
−HK$1,296/mo
Today · 4.125%
HK$50,183
baseline
▲ 0.50% · 4.625%
HK$52,828
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,366/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,004 · Scale 2, in force from 26 Feb 2026)