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$23,792
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,532
−HK$752/mo
Today · 4.125%
HK$25,284
baseline
▲ 0.50% · 4.625%
HK$26,822
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,568/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,468
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,178
−HK$720/mo
Today · 4.125%
HK$27,898
baseline
▲ 0.50% · 4.625%
HK$29,369
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,796/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,550
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,438
−HK$903/mo
Today · 4.125%
HK$30,341
baseline
▲ 0.50% · 4.625%
HK$32,187
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,682/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,762
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,614
−HK$864/mo
Today · 4.125%
HK$33,478
baseline
▲ 0.50% · 4.625%
HK$35,243
+HK$1,765/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,956/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,309
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,345
−HK$1,053/mo
Today · 4.125%
HK$35,398
baseline
▲ 0.50% · 4.625%
HK$37,551
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,796/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,056
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,049
−HK$1,009/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,116
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,826
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,158
−HK$1,353/mo
Today · 4.125%
HK$45,511
baseline
▲ 0.50% · 4.625%
HK$48,280
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,022/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,643
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,921
−HK$1,296/mo
Today · 4.125%
HK$50,217
baseline
▲ 0.50% · 4.625%
HK$52,864
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,434/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,272 · Scale 2, in force from 26 Feb 2026)