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$23,781
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,521
−HK$751/mo
Today · 4.125%
HK$25,272
baseline
▲ 0.50% · 4.625%
HK$26,810
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,544/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,456
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,165
−HK$720/mo
Today · 4.125%
HK$27,885
baseline
▲ 0.50% · 4.625%
HK$29,355
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,770/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,537
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,425
−HK$901/mo
Today · 4.125%
HK$30,326
baseline
▲ 0.50% · 4.625%
HK$32,172
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,652/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,747
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,599
−HK$863/mo
Today · 4.125%
HK$33,462
baseline
▲ 0.50% · 4.625%
HK$35,226
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,924/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,293
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,329
−HK$1,052/mo
Today · 4.125%
HK$35,381
baseline
▲ 0.50% · 4.625%
HK$37,534
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,762/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,038
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,032
−HK$1,007/mo
Today · 4.125%
HK$39,039
baseline
▲ 0.50% · 4.625%
HK$41,097
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,078/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,805
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,137
−HK$1,353/mo
Today · 4.125%
HK$45,490
baseline
▲ 0.50% · 4.625%
HK$48,258
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,980/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,621
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,898
−HK$1,295/mo
Today · 4.125%
HK$50,193
baseline
▲ 0.50% · 4.625%
HK$52,839
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,386/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,088 · Scale 2, in force from 26 Feb 2026)