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$23,623
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,358
−HK$746/mo
Today · 4.125%
HK$25,104
baseline
▲ 0.50% · 4.625%
HK$26,632
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,208/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,280
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,985
−HK$715/mo
Today · 4.125%
HK$27,700
baseline
▲ 0.50% · 4.625%
HK$29,160
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,400/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,348
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,229
−HK$896/mo
Today · 4.125%
HK$30,125
baseline
▲ 0.50% · 4.625%
HK$31,958
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,250/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,536
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,382
−HK$858/mo
Today · 4.125%
HK$33,240
baseline
▲ 0.50% · 4.625%
HK$34,992
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,480/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,072
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,101
−HK$1,045/mo
Today · 4.125%
HK$35,146
baseline
▲ 0.50% · 4.625%
HK$37,285
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,292/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,793
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,779
−HK$1,001/mo
Today · 4.125%
HK$38,780
baseline
▲ 0.50% · 4.625%
HK$40,824
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,560/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,521
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,844
−HK$1,344/mo
Today · 4.125%
HK$45,188
baseline
▲ 0.50% · 4.625%
HK$47,937
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,376/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,305
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,573
−HK$1,287/mo
Today · 4.125%
HK$49,860
baseline
▲ 0.50% · 4.625%
HK$52,489
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,720/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,493 · Scale 2, in force from 26 Feb 2026)