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$23,642
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,377
−HK$748/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,653
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,301
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$715/mo
Today · 4.125%
HK$27,722
baseline
▲ 0.50% · 4.625%
HK$29,184
+HK$1,462/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,444/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,370
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,253
−HK$896/mo
Today · 4.125%
HK$30,149
baseline
▲ 0.50% · 4.625%
HK$31,984
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,298/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,562
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,408
−HK$859/mo
Today · 4.125%
HK$33,267
baseline
▲ 0.50% · 4.625%
HK$35,020
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,534/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,128
−HK$1,046/mo
Today · 4.125%
HK$35,174
baseline
▲ 0.50% · 4.625%
HK$37,315
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,348/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,822
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,810
−HK$1,001/mo
Today · 4.125%
HK$38,811
baseline
▲ 0.50% · 4.625%
HK$40,857
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,622/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,556
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,879
−HK$1,345/mo
Today · 4.125%
HK$45,224
baseline
▲ 0.50% · 4.625%
HK$47,976
+HK$2,752/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,448/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,343
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,612
−HK$1,288/mo
Today · 4.125%
HK$49,900
baseline
▲ 0.50% · 4.625%
HK$52,531
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,800/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,805 · Scale 2, in force from 26 Feb 2026)