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$23,752
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,491
−HK$751/mo
Today · 4.125%
HK$25,242
baseline
▲ 0.50% · 4.625%
HK$26,778
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,484/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,424
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,133
−HK$719/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,320
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,503
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,389
−HK$901/mo
Today · 4.125%
HK$30,290
baseline
▲ 0.50% · 4.625%
HK$32,133
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,580/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,709
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,559
−HK$863/mo
Today · 4.125%
HK$33,422
baseline
▲ 0.50% · 4.625%
HK$35,184
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,844/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,253
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,288
−HK$1,050/mo
Today · 4.125%
HK$35,338
baseline
▲ 0.50% · 4.625%
HK$37,489
+HK$2,151/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,676/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,994
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,986
−HK$1,006/mo
Today · 4.125%
HK$38,992
baseline
▲ 0.50% · 4.625%
HK$41,048
+HK$2,056/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,984/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,754
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,084
−HK$1,351/mo
Today · 4.125%
HK$45,435
baseline
▲ 0.50% · 4.625%
HK$48,200
+HK$2,765/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,870/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,563
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,839
−HK$1,294/mo
Today · 4.125%
HK$50,133
baseline
▲ 0.50% · 4.625%
HK$52,776
+HK$2,643/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,266/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,619 · Scale 2, in force from 26 Feb 2026)