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$23,799
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,539
−HK$753/mo
Today · 4.125%
HK$25,292
baseline
▲ 0.50% · 4.625%
HK$26,830
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,584/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,476
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,186
−HK$721/mo
Today · 4.125%
HK$27,907
baseline
▲ 0.50% · 4.625%
HK$29,378
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,814/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,447
−HK$903/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,847/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,772
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,624
−HK$864/mo
Today · 4.125%
HK$33,488
baseline
▲ 0.50% · 4.625%
HK$35,253
+HK$1,765/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,976/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,319
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,355
−HK$1,053/mo
Today · 4.125%
HK$35,408
baseline
▲ 0.50% · 4.625%
HK$37,563
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,816/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,067
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,061
−HK$1,008/mo
Today · 4.125%
HK$39,069
baseline
▲ 0.50% · 4.625%
HK$41,129
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,138/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,838
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,171
−HK$1,354/mo
Today · 4.125%
HK$45,525
baseline
▲ 0.50% · 4.625%
HK$48,295
+HK$2,770/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,050/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,657
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,935
−HK$1,297/mo
Today · 4.125%
HK$50,232
baseline
▲ 0.50% · 4.625%
HK$52,880
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,464/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,389 · Scale 2, in force from 26 Feb 2026)