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$23,680
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,417
−HK$748/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,697
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,330/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,344
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,051
−HK$716/mo
Today · 4.125%
HK$27,767
baseline
▲ 0.50% · 4.625%
HK$29,231
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,534/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,416
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,300
−HK$898/mo
Today · 4.125%
HK$30,198
baseline
▲ 0.50% · 4.625%
HK$32,036
+HK$1,838/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,396/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,613
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,461
−HK$860/mo
Today · 4.125%
HK$33,321
baseline
▲ 0.50% · 4.625%
HK$35,077
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,642/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,152
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,184
−HK$1,047/mo
Today · 4.125%
HK$35,231
baseline
▲ 0.50% · 4.625%
HK$37,375
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,462/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,882
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,871
−HK$1,003/mo
Today · 4.125%
HK$38,874
baseline
▲ 0.50% · 4.625%
HK$40,924
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,748/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,625
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,950
−HK$1,348/mo
Today · 4.125%
HK$45,298
baseline
▲ 0.50% · 4.625%
HK$48,054
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,596/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,419
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,691
−HK$1,290/mo
Today · 4.125%
HK$49,981
baseline
▲ 0.50% · 4.625%
HK$52,616
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,962/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,436 · Scale 2, in force from 26 Feb 2026)