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$23,761
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,500
−HK$751/mo
Today · 4.125%
HK$25,251
baseline
▲ 0.50% · 4.625%
HK$26,787
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,502/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,434
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,142
−HK$720/mo
Today · 4.125%
HK$27,862
baseline
▲ 0.50% · 4.625%
HK$29,330
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,724/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,513
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,400
−HK$901/mo
Today · 4.125%
HK$30,301
baseline
▲ 0.50% · 4.625%
HK$32,145
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,602/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,720
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,571
−HK$863/mo
Today · 4.125%
HK$33,434
baseline
▲ 0.50% · 4.625%
HK$35,196
+HK$1,762/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,868/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,265
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,300
−HK$1,051/mo
Today · 4.125%
HK$35,351
baseline
▲ 0.50% · 4.625%
HK$37,502
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$70,702/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,007
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,999
−HK$1,007/mo
Today · 4.125%
HK$39,006
baseline
▲ 0.50% · 4.625%
HK$41,062
+HK$2,056/mo
Deposit HK$3.13M · loan HK$7.29M · min. income ≈ HK$78,012/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,769
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,100
−HK$1,351/mo
Today · 4.125%
HK$45,451
baseline
▲ 0.50% · 4.625%
HK$48,217
+HK$2,766/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,902/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,580
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,856
−HK$1,295/mo
Today · 4.125%
HK$50,151
baseline
▲ 0.50% · 4.625%
HK$52,795
+HK$2,644/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,302/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,758 · Scale 2, in force from 26 Feb 2026)