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$23,616
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,350
−HK$747/mo
Today · 4.125%
HK$25,097
baseline
▲ 0.50% · 4.625%
HK$26,624
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,194/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,272
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,977
−HK$715/mo
Today · 4.125%
HK$27,692
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,384/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,339
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,220
−HK$896/mo
Today · 4.125%
HK$30,116
baseline
▲ 0.50% · 4.625%
HK$31,948
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,232/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,527
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,372
−HK$858/mo
Today · 4.125%
HK$33,230
baseline
▲ 0.50% · 4.625%
HK$34,982
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,460/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,062
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,090
−HK$1,045/mo
Today · 4.125%
HK$35,135
baseline
▲ 0.50% · 4.625%
HK$37,273
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,270/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,781
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,768
−HK$1,000/mo
Today · 4.125%
HK$38,768
baseline
▲ 0.50% · 4.625%
HK$40,812
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,536/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,508
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,831
−HK$1,343/mo
Today · 4.125%
HK$45,174
baseline
▲ 0.50% · 4.625%
HK$47,923
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,348/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,290
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,558
−HK$1,287/mo
Today · 4.125%
HK$49,845
baseline
▲ 0.50% · 4.625%
HK$52,472
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,690/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,374 · Scale 2, in force from 26 Feb 2026)