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$23,803
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,543
−HK$752/mo
Today · 4.125%
HK$25,295
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,590/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,480
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,191
−HK$720/mo
Today · 4.125%
HK$27,911
baseline
▲ 0.50% · 4.625%
HK$29,382
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,822/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,563
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,452
−HK$903/mo
Today · 4.125%
HK$30,355
baseline
▲ 0.50% · 4.625%
HK$32,202
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,710/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,776
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,629
−HK$864/mo
Today · 4.125%
HK$33,493
baseline
▲ 0.50% · 4.625%
HK$35,259
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$66,986/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,324
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,361
−HK$1,053/mo
Today · 4.125%
HK$35,414
baseline
▲ 0.50% · 4.625%
HK$37,569
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,828/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,073
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,067
−HK$1,008/mo
Today · 4.125%
HK$39,075
baseline
▲ 0.50% · 4.625%
HK$41,135
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,150/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,845
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,178
−HK$1,354/mo
Today · 4.125%
HK$45,532
baseline
▲ 0.50% · 4.625%
HK$48,302
+HK$2,770/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,064/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,665
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,943
−HK$1,297/mo
Today · 4.125%
HK$50,240
baseline
▲ 0.50% · 4.625%
HK$52,888
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,480/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,450 · Scale 2, in force from 26 Feb 2026)