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$23,779
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,518
−HK$752/mo
Today · 4.125%
HK$25,270
baseline
▲ 0.50% · 4.625%
HK$26,808
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,540/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,454
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,163
−HK$720/mo
Today · 4.125%
HK$27,883
baseline
▲ 0.50% · 4.625%
HK$29,353
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,766/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,535
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,422
−HK$902/mo
Today · 4.125%
HK$30,324
baseline
▲ 0.50% · 4.625%
HK$32,169
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,648/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,744
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,596
−HK$863/mo
Today · 4.125%
HK$33,459
baseline
▲ 0.50% · 4.625%
HK$35,223
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,918/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,290
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,326
−HK$1,052/mo
Today · 4.125%
HK$35,378
baseline
▲ 0.50% · 4.625%
HK$37,531
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,756/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,035
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,028
−HK$1,008/mo
Today · 4.125%
HK$39,036
baseline
▲ 0.50% · 4.625%
HK$41,094
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,072/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,802
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,133
−HK$1,353/mo
Today · 4.125%
HK$45,486
baseline
▲ 0.50% · 4.625%
HK$48,254
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,972/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,617
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,894
−HK$1,295/mo
Today · 4.125%
HK$50,189
baseline
▲ 0.50% · 4.625%
HK$52,835
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,378/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,055 · Scale 2, in force from 26 Feb 2026)