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$23,809
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$753/mo
Today · 4.125%
HK$25,302
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,604/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$721/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,390
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,570
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,459
−HK$903/mo
Today · 4.125%
HK$30,362
baseline
▲ 0.50% · 4.625%
HK$32,210
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,724/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,784
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$865/mo
Today · 4.125%
HK$33,502
baseline
▲ 0.50% · 4.625%
HK$35,268
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$67,004/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,332
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,369
−HK$1,053/mo
Today · 4.125%
HK$35,422
baseline
▲ 0.50% · 4.625%
HK$37,578
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,844/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,082
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,076
−HK$1,009/mo
Today · 4.125%
HK$39,085
baseline
▲ 0.50% · 4.625%
HK$41,145
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,170/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,856
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,189
−HK$1,354/mo
Today · 4.125%
HK$45,543
baseline
▲ 0.50% · 4.625%
HK$48,314
+HK$2,771/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,086/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,677
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,955
−HK$1,297/mo
Today · 4.125%
HK$50,252
baseline
▲ 0.50% · 4.625%
HK$52,901
+HK$2,649/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,504/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,547 · Scale 2, in force from 26 Feb 2026)