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$23,817
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,558
−HK$753/mo
Today · 4.125%
HK$25,311
baseline
▲ 0.50% · 4.625%
HK$26,851
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,622/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,497
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,207
−HK$721/mo
Today · 4.125%
HK$27,928
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,856/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,581
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,470
−HK$903/mo
Today · 4.125%
HK$30,373
baseline
▲ 0.50% · 4.625%
HK$32,221
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,746/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,796
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,649
−HK$865/mo
Today · 4.125%
HK$33,514
baseline
▲ 0.50% · 4.625%
HK$35,280
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,028/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,344
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,382
−HK$1,053/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,592
+HK$2,157/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,095
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,090
−HK$1,009/mo
Today · 4.125%
HK$39,099
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,198/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,871
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,205
−HK$1,355/mo
Today · 4.125%
HK$45,560
baseline
▲ 0.50% · 4.625%
HK$48,332
+HK$2,772/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,120/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,694
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,973
−HK$1,298/mo
Today · 4.125%
HK$50,271
baseline
▲ 0.50% · 4.625%
HK$52,921
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,542/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,691 · Scale 2, in force from 26 Feb 2026)