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$1,492/mo
▼ 0.25% · 3.875%
HK$24,521
−HK$752/mo
Today · 4.125%
HK$25,273
baseline
▲ 0.50% · 4.625%
HK$26,810
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,546/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,456
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,166
−HK$720/mo
Today · 4.125%
HK$27,886
baseline
▲ 0.50% · 4.625%
HK$29,356
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,772/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,425
−HK$902/mo
Today · 4.125%
HK$30,327
baseline
▲ 0.50% · 4.625%
HK$32,172
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,654/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,748
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,599
−HK$864/mo
Today · 4.125%
HK$33,463
baseline
▲ 0.50% · 4.625%
HK$35,227
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,926/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,294
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,329
−HK$1,053/mo
Today · 4.125%
HK$35,382
baseline
▲ 0.50% · 4.625%
HK$37,534
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,764/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,039
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,032
−HK$1,008/mo
Today · 4.125%
HK$39,040
baseline
▲ 0.50% · 4.625%
HK$41,098
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,080/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,806
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,138
−HK$1,353/mo
Today · 4.125%
HK$45,491
baseline
▲ 0.50% · 4.625%
HK$48,259
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,982/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,622
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,899
−HK$1,295/mo
Today · 4.125%
HK$50,194
baseline
▲ 0.50% · 4.625%
HK$52,840
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,388/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,096 · Scale 2, in force from 26 Feb 2026)