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$23,782
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,522
−HK$752/mo
Today · 4.125%
HK$25,274
baseline
▲ 0.50% · 4.625%
HK$26,811
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,548/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,458
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,167
−HK$720/mo
Today · 4.125%
HK$27,887
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,774/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,539
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$902/mo
Today · 4.125%
HK$30,328
baseline
▲ 0.50% · 4.625%
HK$32,174
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,656/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,749
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,601
−HK$863/mo
Today · 4.125%
HK$33,464
baseline
▲ 0.50% · 4.625%
HK$35,228
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,928/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,295
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,331
−HK$1,052/mo
Today · 4.125%
HK$35,383
baseline
▲ 0.50% · 4.625%
HK$37,536
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,766/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,041
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,034
−HK$1,008/mo
Today · 4.125%
HK$39,042
baseline
▲ 0.50% · 4.625%
HK$41,100
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,084/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,808
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,140
−HK$1,352/mo
Today · 4.125%
HK$45,492
baseline
▲ 0.50% · 4.625%
HK$48,261
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,984/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,624
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,901
−HK$1,295/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$52,842
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,112 · Scale 2, in force from 26 Feb 2026)