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$23,795
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,535
−HK$752/mo
Today · 4.125%
HK$25,287
baseline
▲ 0.50% · 4.625%
HK$26,826
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,574/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,472
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,182
−HK$720/mo
Today · 4.125%
HK$27,902
baseline
▲ 0.50% · 4.625%
HK$29,373
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,804/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,554
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,442
−HK$903/mo
Today · 4.125%
HK$30,345
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,690/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,766
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,618
−HK$865/mo
Today · 4.125%
HK$33,483
baseline
▲ 0.50% · 4.625%
HK$35,247
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,966/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,313
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,349
−HK$1,053/mo
Today · 4.125%
HK$35,402
baseline
▲ 0.50% · 4.625%
HK$37,556
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,804/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,061
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,055
−HK$1,008/mo
Today · 4.125%
HK$39,063
baseline
▲ 0.50% · 4.625%
HK$41,122
+HK$2,059/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,126/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,831
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,164
−HK$1,353/mo
Today · 4.125%
HK$45,517
baseline
▲ 0.50% · 4.625%
HK$48,287
+HK$2,770/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,034/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,649
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,927
−HK$1,297/mo
Today · 4.125%
HK$50,224
baseline
▲ 0.50% · 4.625%
HK$52,871
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,448/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,325 · Scale 2, in force from 26 Feb 2026)