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$23,603
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,337
−HK$746/mo
Today · 4.125%
HK$25,083
baseline
▲ 0.50% · 4.625%
HK$26,609
+HK$1,526/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,166/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,258
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,962
−HK$715/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,324
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,205
−HK$895/mo
Today · 4.125%
HK$30,100
baseline
▲ 0.50% · 4.625%
HK$31,931
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,200/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,510
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,355
−HK$857/mo
Today · 4.125%
HK$33,212
baseline
▲ 0.50% · 4.625%
HK$34,963
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,424/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,044
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,072
−HK$1,045/mo
Today · 4.125%
HK$35,117
baseline
▲ 0.50% · 4.625%
HK$37,253
+HK$2,136/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,234/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,761
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,747
−HK$1,001/mo
Today · 4.125%
HK$38,748
baseline
▲ 0.50% · 4.625%
HK$40,790
+HK$2,042/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,496/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,486
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,807
−HK$1,343/mo
Today · 4.125%
HK$45,150
baseline
▲ 0.50% · 4.625%
HK$47,897
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,300/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,265
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,532
−HK$1,286/mo
Today · 4.125%
HK$49,818
baseline
▲ 0.50% · 4.625%
HK$52,444
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,636/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,166 · Scale 2, in force from 26 Feb 2026)