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$1,492/mo
▼ 0.25% · 3.875%
HK$24,539
−HK$752/mo
Today · 4.125%
HK$25,291
baseline
▲ 0.50% · 4.625%
HK$26,830
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,582/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,476
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,186
−HK$720/mo
Today · 4.125%
HK$27,906
baseline
▲ 0.50% · 4.625%
HK$29,377
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,812/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,447
−HK$902/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$32,196
+HK$1,847/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,771
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,623
−HK$865/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$391,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,318
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,355
−HK$1,053/mo
Today · 4.125%
HK$35,408
baseline
▲ 0.50% · 4.625%
HK$37,562
+HK$2,154/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$391,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,066
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,060
−HK$1,009/mo
Today · 4.125%
HK$39,069
baseline
▲ 0.50% · 4.625%
HK$41,128
+HK$2,059/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$391,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,838
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,170
−HK$1,354/mo
Today · 4.125%
HK$45,524
baseline
▲ 0.50% · 4.625%
HK$48,294
+HK$2,770/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,048/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,657
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,935
−HK$1,296/mo
Today · 4.125%
HK$50,231
baseline
▲ 0.50% · 4.625%
HK$52,879
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,462/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,384 · Scale 2, in force from 26 Feb 2026)