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$23,606
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$746/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,612
+HK$1,526/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,261
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,965
−HK$715/mo
Today · 4.125%
HK$27,680
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,360/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,327
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,208
−HK$895/mo
Today · 4.125%
HK$30,103
baseline
▲ 0.50% · 4.625%
HK$31,935
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,206/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,513
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,358
−HK$858/mo
Today · 4.125%
HK$33,216
baseline
▲ 0.50% · 4.625%
HK$34,967
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,432/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,048
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$1,044/mo
Today · 4.125%
HK$35,120
baseline
▲ 0.50% · 4.625%
HK$37,257
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,240/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,765
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,000/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,042/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,490
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,812
−HK$1,343/mo
Today · 4.125%
HK$45,155
baseline
▲ 0.50% · 4.625%
HK$47,902
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,310/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,270
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,538
−HK$1,286/mo
Today · 4.125%
HK$49,824
baseline
▲ 0.50% · 4.625%
HK$52,450
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,648/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,208 · Scale 2, in force from 26 Feb 2026)