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$23,805
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,545
−HK$753/mo
Today · 4.125%
HK$25,298
baseline
▲ 0.50% · 4.625%
HK$26,837
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,596/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,483
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,193
−HK$720/mo
Today · 4.125%
HK$27,913
baseline
▲ 0.50% · 4.625%
HK$29,385
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,826/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,566
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,454
−HK$903/mo
Today · 4.125%
HK$30,357
baseline
▲ 0.50% · 4.625%
HK$32,204
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,714/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,779
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,632
−HK$864/mo
Today · 4.125%
HK$33,496
baseline
▲ 0.50% · 4.625%
HK$35,262
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$66,992/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,327
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,364
−HK$1,053/mo
Today · 4.125%
HK$35,417
baseline
▲ 0.50% · 4.625%
HK$37,572
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,834/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,076
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,070
−HK$1,009/mo
Today · 4.125%
HK$39,079
baseline
▲ 0.50% · 4.625%
HK$41,139
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,158/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,849
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,182
−HK$1,354/mo
Today · 4.125%
HK$45,536
baseline
▲ 0.50% · 4.625%
HK$48,307
+HK$2,771/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,072/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,669
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,947
−HK$1,297/mo
Today · 4.125%
HK$50,244
baseline
▲ 0.50% · 4.625%
HK$52,893
+HK$2,649/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,488/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,484 · Scale 2, in force from 26 Feb 2026)