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$23,683
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$748/mo
Today · 4.125%
HK$25,168
baseline
▲ 0.50% · 4.625%
HK$26,700
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,336/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,347
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,054
−HK$717/mo
Today · 4.125%
HK$27,771
baseline
▲ 0.50% · 4.625%
HK$29,235
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,542/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,420
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,304
−HK$898/mo
Today · 4.125%
HK$30,202
baseline
▲ 0.50% · 4.625%
HK$32,040
+HK$1,838/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,404/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,617
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,465
−HK$860/mo
Today · 4.125%
HK$33,325
baseline
▲ 0.50% · 4.625%
HK$35,081
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,650/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,156
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,188
−HK$1,048/mo
Today · 4.125%
HK$35,236
baseline
▲ 0.50% · 4.625%
HK$37,380
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,472/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,886
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,875
−HK$1,004/mo
Today · 4.125%
HK$38,879
baseline
▲ 0.50% · 4.625%
HK$40,928
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,758/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,630
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,956
−HK$1,347/mo
Today · 4.125%
HK$45,303
baseline
▲ 0.50% · 4.625%
HK$48,059
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,606/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,425
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,697
−HK$1,290/mo
Today · 4.125%
HK$49,987
baseline
▲ 0.50% · 4.625%
HK$52,622
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,974/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,482 · Scale 2, in force from 26 Feb 2026)