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$23,783
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,523
−HK$752/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,813
+HK$1,538/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,459
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,168
−HK$720/mo
Today · 4.125%
HK$27,888
baseline
▲ 0.50% · 4.625%
HK$29,358
+HK$1,470/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,776/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,540
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,428
−HK$902/mo
Today · 4.125%
HK$30,330
baseline
▲ 0.50% · 4.625%
HK$32,175
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,660/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,751
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,602
−HK$864/mo
Today · 4.125%
HK$33,466
baseline
▲ 0.50% · 4.625%
HK$35,230
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,932/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,297
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$1,053/mo
Today · 4.125%
HK$35,385
baseline
▲ 0.50% · 4.625%
HK$37,538
+HK$2,153/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,770/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,042
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,036
−HK$1,008/mo
Today · 4.125%
HK$39,044
baseline
▲ 0.50% · 4.625%
HK$41,102
+HK$2,058/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,088/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,810
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,142
−HK$1,353/mo
Today · 4.125%
HK$45,495
baseline
▲ 0.50% · 4.625%
HK$48,263
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$90,990/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,626
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,903
−HK$1,296/mo
Today · 4.125%
HK$50,199
baseline
▲ 0.50% · 4.625%
HK$52,845
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,398/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,131 · Scale 2, in force from 26 Feb 2026)