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$23,752
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,490
−HK$751/mo
Today · 4.125%
HK$25,241
baseline
▲ 0.50% · 4.625%
HK$26,777
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,482/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,423
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,132
−HK$719/mo
Today · 4.125%
HK$27,851
baseline
▲ 0.50% · 4.625%
HK$29,319
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,702/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,502
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,388
−HK$901/mo
Today · 4.125%
HK$30,289
baseline
▲ 0.50% · 4.625%
HK$32,132
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,578/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,708
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,558
−HK$863/mo
Today · 4.125%
HK$33,421
baseline
▲ 0.50% · 4.625%
HK$35,183
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,842/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,287
−HK$1,050/mo
Today · 4.125%
HK$35,337
baseline
▲ 0.50% · 4.625%
HK$37,488
+HK$2,151/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,674/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,993
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,985
−HK$1,006/mo
Today · 4.125%
HK$38,991
baseline
▲ 0.50% · 4.625%
HK$41,047
+HK$2,056/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,982/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,753
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,083
−HK$1,351/mo
Today · 4.125%
HK$45,434
baseline
▲ 0.50% · 4.625%
HK$48,198
+HK$2,764/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,868/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,562
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,838
−HK$1,294/mo
Today · 4.125%
HK$50,132
baseline
▲ 0.50% · 4.625%
HK$52,774
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,264/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,608 · Scale 2, in force from 26 Feb 2026)