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$23,799
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,540
−HK$752/mo
Today · 4.125%
HK$25,292
baseline
▲ 0.50% · 4.625%
HK$26,831
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,584/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,477
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,187
−HK$720/mo
Today · 4.125%
HK$27,907
baseline
▲ 0.50% · 4.625%
HK$29,378
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,814/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$902/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,847/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,772
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,624
−HK$864/mo
Today · 4.125%
HK$33,488
baseline
▲ 0.50% · 4.625%
HK$35,254
+HK$1,766/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,976/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,319
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,355
−HK$1,053/mo
Today · 4.125%
HK$35,408
baseline
▲ 0.50% · 4.625%
HK$37,563
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,816/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,067
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,061
−HK$1,009/mo
Today · 4.125%
HK$39,070
baseline
▲ 0.50% · 4.625%
HK$41,129
+HK$2,059/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,140/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,839
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,171
−HK$1,354/mo
Today · 4.125%
HK$45,525
baseline
▲ 0.50% · 4.625%
HK$48,295
+HK$2,770/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,050/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,658
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,936
−HK$1,297/mo
Today · 4.125%
HK$50,233
baseline
▲ 0.50% · 4.625%
HK$52,880
+HK$2,647/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,466/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,393 · Scale 2, in force from 26 Feb 2026)