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$23,765
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,505
−HK$751/mo
Today · 4.125%
HK$25,256
baseline
▲ 0.50% · 4.625%
HK$26,792
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,512/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,439
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$719/mo
Today · 4.125%
HK$27,867
baseline
▲ 0.50% · 4.625%
HK$29,336
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,734/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,518
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$901/mo
Today · 4.125%
HK$30,307
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,614/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,727
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,577
−HK$864/mo
Today · 4.125%
HK$33,441
baseline
▲ 0.50% · 4.625%
HK$35,203
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,882/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,272
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,306
−HK$1,052/mo
Today · 4.125%
HK$35,358
baseline
▲ 0.50% · 4.625%
HK$37,509
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,716/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,014
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,007
−HK$1,007/mo
Today · 4.125%
HK$39,014
baseline
▲ 0.50% · 4.625%
HK$41,071
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,028/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,778
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,108
−HK$1,352/mo
Today · 4.125%
HK$45,460
baseline
▲ 0.50% · 4.625%
HK$48,226
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,920/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,590
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,866
−HK$1,295/mo
Today · 4.125%
HK$50,161
baseline
▲ 0.50% · 4.625%
HK$52,805
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,322/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,835 · Scale 2, in force from 26 Feb 2026)