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$23,770
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$751/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,153
−HK$720/mo
Today · 4.125%
HK$27,873
baseline
▲ 0.50% · 4.625%
HK$29,342
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,746/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,524
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$901/mo
Today · 4.125%
HK$30,313
baseline
▲ 0.50% · 4.625%
HK$32,158
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,626/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,733
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,584
−HK$863/mo
Today · 4.125%
HK$33,447
baseline
▲ 0.50% · 4.625%
HK$35,211
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,894/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,278
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,314
−HK$1,051/mo
Today · 4.125%
HK$35,365
baseline
▲ 0.50% · 4.625%
HK$37,517
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,730/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,022
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,015
−HK$1,007/mo
Today · 4.125%
HK$39,022
baseline
▲ 0.50% · 4.625%
HK$41,079
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,044/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,786
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,117
−HK$1,353/mo
Today · 4.125%
HK$45,470
baseline
▲ 0.50% · 4.625%
HK$48,236
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,940/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,600
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,876
−HK$1,295/mo
Today · 4.125%
HK$50,171
baseline
▲ 0.50% · 4.625%
HK$52,816
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,342/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,915 · Scale 2, in force from 26 Feb 2026)