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$23,789
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,529
−HK$752/mo
Today · 4.125%
HK$25,281
baseline
▲ 0.50% · 4.625%
HK$26,819
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,562/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,465
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,175
−HK$720/mo
Today · 4.125%
HK$27,895
baseline
▲ 0.50% · 4.625%
HK$29,365
+HK$1,470/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,790/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,547
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,435
−HK$902/mo
Today · 4.125%
HK$30,337
baseline
▲ 0.50% · 4.625%
HK$32,183
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,674/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,758
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,610
−HK$864/mo
Today · 4.125%
HK$33,474
baseline
▲ 0.50% · 4.625%
HK$35,238
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,948/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,341
−HK$1,052/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,547
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,051
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,045
−HK$1,008/mo
Today · 4.125%
HK$39,053
baseline
▲ 0.50% · 4.625%
HK$41,111
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,106/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,820
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,152
−HK$1,354/mo
Today · 4.125%
HK$45,506
baseline
▲ 0.50% · 4.625%
HK$48,274
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,012/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,637
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,915
−HK$1,296/mo
Today · 4.125%
HK$50,211
baseline
▲ 0.50% · 4.625%
HK$52,858
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,422/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,224 · Scale 2, in force from 26 Feb 2026)