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$23,762
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,501
−HK$751/mo
Today · 4.125%
HK$25,252
baseline
▲ 0.50% · 4.625%
HK$26,789
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,504/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,435
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,144
−HK$719/mo
Today · 4.125%
HK$27,863
baseline
▲ 0.50% · 4.625%
HK$29,332
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,726/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,515
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,402
−HK$901/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$32,147
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,722
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,573
−HK$863/mo
Today · 4.125%
HK$33,436
baseline
▲ 0.50% · 4.625%
HK$35,198
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,872/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,267
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,302
−HK$1,051/mo
Today · 4.125%
HK$35,353
baseline
▲ 0.50% · 4.625%
HK$37,504
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,706/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,009
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,002
−HK$1,007/mo
Today · 4.125%
HK$39,009
baseline
▲ 0.50% · 4.625%
HK$41,065
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$78,018/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,772
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,102
−HK$1,352/mo
Today · 4.125%
HK$45,454
baseline
▲ 0.50% · 4.625%
HK$48,220
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,908/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,583
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,859
−HK$1,295/mo
Today · 4.125%
HK$50,154
baseline
▲ 0.50% · 4.625%
HK$52,798
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,308/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,781 · Scale 2, in force from 26 Feb 2026)