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$23,754
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,493
−HK$750/mo
Today · 4.125%
HK$25,243
baseline
▲ 0.50% · 4.625%
HK$26,779
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,486/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,426
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,135
−HK$719/mo
Today · 4.125%
HK$27,854
baseline
▲ 0.50% · 4.625%
HK$29,322
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,708/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,505
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,391
−HK$901/mo
Today · 4.125%
HK$30,292
baseline
▲ 0.50% · 4.625%
HK$32,135
+HK$1,843/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,584/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,711
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,562
−HK$862/mo
Today · 4.125%
HK$33,424
baseline
▲ 0.50% · 4.625%
HK$35,186
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,848/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,255
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,290
−HK$1,051/mo
Today · 4.125%
HK$35,341
baseline
▲ 0.50% · 4.625%
HK$37,491
+HK$2,150/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,682/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,996
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,989
−HK$1,006/mo
Today · 4.125%
HK$38,995
baseline
▲ 0.50% · 4.625%
HK$41,051
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$77,990/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,757
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,087
−HK$1,351/mo
Today · 4.125%
HK$45,438
baseline
▲ 0.50% · 4.625%
HK$48,203
+HK$2,765/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,876/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,567
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,842
−HK$1,295/mo
Today · 4.125%
HK$50,137
baseline
▲ 0.50% · 4.625%
HK$52,779
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,274/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,646 · Scale 2, in force from 26 Feb 2026)