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$23,801
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,541
−HK$753/mo
Today · 4.125%
HK$25,294
baseline
▲ 0.50% · 4.625%
HK$26,833
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,588/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,478
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,189
−HK$720/mo
Today · 4.125%
HK$27,909
baseline
▲ 0.50% · 4.625%
HK$29,380
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,818/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,561
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,450
−HK$902/mo
Today · 4.125%
HK$30,352
baseline
▲ 0.50% · 4.625%
HK$32,199
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,704/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,774
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,626
−HK$865/mo
Today · 4.125%
HK$33,491
baseline
▲ 0.50% · 4.625%
HK$35,256
+HK$1,765/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$66,982/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,321
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,358
−HK$1,053/mo
Today · 4.125%
HK$35,411
baseline
▲ 0.50% · 4.625%
HK$37,566
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,822/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,070
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,064
−HK$1,009/mo
Today · 4.125%
HK$39,073
baseline
▲ 0.50% · 4.625%
HK$41,132
+HK$2,059/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,146/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,842
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,174
−HK$1,354/mo
Today · 4.125%
HK$45,528
baseline
▲ 0.50% · 4.625%
HK$48,299
+HK$2,771/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,056/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,661
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,939
−HK$1,297/mo
Today · 4.125%
HK$50,236
baseline
▲ 0.50% · 4.625%
HK$52,884
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,472/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,421 · Scale 2, in force from 26 Feb 2026)