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$23,746
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,484
−HK$751/mo
Today · 4.125%
HK$25,235
baseline
▲ 0.50% · 4.625%
HK$26,770
+HK$1,535/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,470/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,417
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,125
−HK$719/mo
Today · 4.125%
HK$27,844
baseline
▲ 0.50% · 4.625%
HK$29,312
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,688/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,495
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,381
−HK$901/mo
Today · 4.125%
HK$30,282
baseline
▲ 0.50% · 4.625%
HK$32,124
+HK$1,842/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,564/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,700
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,550
−HK$863/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,174
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,244
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,278
−HK$1,051/mo
Today · 4.125%
HK$35,329
baseline
▲ 0.50% · 4.625%
HK$37,478
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,658/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,984
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,975
−HK$1,007/mo
Today · 4.125%
HK$38,982
baseline
▲ 0.50% · 4.625%
HK$41,036
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,964/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,742
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,072
−HK$1,351/mo
Today · 4.125%
HK$45,423
baseline
▲ 0.50% · 4.625%
HK$48,186
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,846/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,550
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,826
−HK$1,293/mo
Today · 4.125%
HK$50,119
baseline
▲ 0.50% · 4.625%
HK$52,761
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,238/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,511 · Scale 2, in force from 26 Feb 2026)