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$23,637
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,372
−HK$747/mo
Today · 4.125%
HK$25,119
baseline
▲ 0.50% · 4.625%
HK$26,647
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,238/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,295
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$715/mo
Today · 4.125%
HK$27,716
baseline
▲ 0.50% · 4.625%
HK$29,177
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,432/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,364
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,246
−HK$897/mo
Today · 4.125%
HK$30,143
baseline
▲ 0.50% · 4.625%
HK$31,977
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,286/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,555
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,401
−HK$858/mo
Today · 4.125%
HK$33,259
baseline
▲ 0.50% · 4.625%
HK$35,013
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,518/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,091
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,121
−HK$1,045/mo
Today · 4.125%
HK$35,166
baseline
▲ 0.50% · 4.625%
HK$37,306
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,332/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,814
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,801
−HK$1,002/mo
Today · 4.125%
HK$38,803
baseline
▲ 0.50% · 4.625%
HK$40,848
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,606/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,546
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,869
−HK$1,345/mo
Today · 4.125%
HK$45,214
baseline
▲ 0.50% · 4.625%
HK$47,965
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,428/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,332
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,601
−HK$1,288/mo
Today · 4.125%
HK$49,889
baseline
▲ 0.50% · 4.625%
HK$52,519
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,778/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,717 · Scale 2, in force from 26 Feb 2026)