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$23,673
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,409
−HK$748/mo
Today · 4.125%
HK$25,157
baseline
▲ 0.50% · 4.625%
HK$26,688
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,314/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,336
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,042
−HK$717/mo
Today · 4.125%
HK$27,759
baseline
▲ 0.50% · 4.625%
HK$29,222
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,518/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,407
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,291
−HK$898/mo
Today · 4.125%
HK$30,189
baseline
▲ 0.50% · 4.625%
HK$32,026
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,378/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,603
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,451
−HK$859/mo
Today · 4.125%
HK$33,310
baseline
▲ 0.50% · 4.625%
HK$35,066
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,620/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,142
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,173
−HK$1,047/mo
Today · 4.125%
HK$35,220
baseline
▲ 0.50% · 4.625%
HK$37,363
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,440/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,870
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,859
−HK$1,003/mo
Today · 4.125%
HK$38,862
baseline
▲ 0.50% · 4.625%
HK$40,911
+HK$2,049/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,724/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,611
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,937
−HK$1,346/mo
Today · 4.125%
HK$45,283
baseline
▲ 0.50% · 4.625%
HK$48,039
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,566/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,404
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,676
−HK$1,290/mo
Today · 4.125%
HK$49,966
baseline
▲ 0.50% · 4.625%
HK$52,599
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,932/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,313 · Scale 2, in force from 26 Feb 2026)