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$24,516
−HK$751/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,805
+HK$1,538/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$391,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,451
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,160
−HK$720/mo
Today · 4.125%
HK$27,880
baseline
▲ 0.50% · 4.625%
HK$29,350
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,760/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$391,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,532
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,419
−HK$902/mo
Today · 4.125%
HK$30,321
baseline
▲ 0.50% · 4.625%
HK$32,166
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,642/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,741
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,592
−HK$864/mo
Today · 4.125%
HK$33,456
baseline
▲ 0.50% · 4.625%
HK$35,219
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,912/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,287
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,322
−HK$1,052/mo
Today · 4.125%
HK$35,374
baseline
▲ 0.50% · 4.625%
HK$37,527
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,748/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,031
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,024
−HK$1,008/mo
Today · 4.125%
HK$39,032
baseline
▲ 0.50% · 4.625%
HK$41,089
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,064/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,797
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,129
−HK$1,352/mo
Today · 4.125%
HK$45,481
baseline
▲ 0.50% · 4.625%
HK$48,249
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,962/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,612
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,889
−HK$1,295/mo
Today · 4.125%
HK$50,184
baseline
▲ 0.50% · 4.625%
HK$52,829
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,368/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,014 · Scale 2, in force from 26 Feb 2026)