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$23,658
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,394
−HK$747/mo
Today · 4.125%
HK$25,141
baseline
▲ 0.50% · 4.625%
HK$26,671
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,282/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,319
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,025
−HK$716/mo
Today · 4.125%
HK$27,741
baseline
▲ 0.50% · 4.625%
HK$29,203
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,482/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,389
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,272
−HK$898/mo
Today · 4.125%
HK$30,170
baseline
▲ 0.50% · 4.625%
HK$32,005
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,340/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,583
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,430
−HK$859/mo
Today · 4.125%
HK$33,289
baseline
▲ 0.50% · 4.625%
HK$35,044
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,578/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,121
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,151
−HK$1,047/mo
Today · 4.125%
HK$35,198
baseline
▲ 0.50% · 4.625%
HK$37,340
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,396/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,847
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,835
−HK$1,002/mo
Today · 4.125%
HK$38,837
baseline
▲ 0.50% · 4.625%
HK$40,884
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,674/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,584
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,909
−HK$1,345/mo
Today · 4.125%
HK$45,254
baseline
▲ 0.50% · 4.625%
HK$48,008
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,508/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,374
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,645
−HK$1,289/mo
Today · 4.125%
HK$49,934
baseline
▲ 0.50% · 4.625%
HK$52,566
+HK$2,632/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,868/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,064 · Scale 2, in force from 26 Feb 2026)