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$23,815
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,556
−HK$752/mo
Today · 4.125%
HK$25,308
baseline
▲ 0.50% · 4.625%
HK$26,848
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,616/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,494
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,204
−HK$721/mo
Today · 4.125%
HK$27,925
baseline
▲ 0.50% · 4.625%
HK$29,397
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,850/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,578
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,467
−HK$903/mo
Today · 4.125%
HK$30,370
baseline
▲ 0.50% · 4.625%
HK$32,218
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,740/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,793
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,645
−HK$865/mo
Today · 4.125%
HK$33,510
baseline
▲ 0.50% · 4.625%
HK$35,277
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,020/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,341
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,378
−HK$1,054/mo
Today · 4.125%
HK$35,432
baseline
▲ 0.50% · 4.625%
HK$37,588
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,864/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,091
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,086
−HK$1,009/mo
Today · 4.125%
HK$39,095
baseline
▲ 0.50% · 4.625%
HK$41,156
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,190/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,867
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,200
−HK$1,355/mo
Today · 4.125%
HK$45,555
baseline
▲ 0.50% · 4.625%
HK$48,327
+HK$2,772/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,110/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,689
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,968
−HK$1,297/mo
Today · 4.125%
HK$50,265
baseline
▲ 0.50% · 4.625%
HK$52,915
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,530/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,650 · Scale 2, in force from 26 Feb 2026)