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$23,636
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,371
−HK$747/mo
Today · 4.125%
HK$25,118
baseline
▲ 0.50% · 4.625%
HK$26,647
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,236/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,295
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$27,000
−HK$715/mo
Today · 4.125%
HK$27,715
baseline
▲ 0.50% · 4.625%
HK$29,176
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,430/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,363
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,245
−HK$897/mo
Today · 4.125%
HK$30,142
baseline
▲ 0.50% · 4.625%
HK$31,976
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,284/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,554
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,400
−HK$858/mo
Today · 4.125%
HK$33,258
baseline
▲ 0.50% · 4.625%
HK$35,012
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,516/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,090
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,120
−HK$1,045/mo
Today · 4.125%
HK$35,165
baseline
▲ 0.50% · 4.625%
HK$37,305
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,330/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,813
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,800
−HK$1,002/mo
Today · 4.125%
HK$38,802
baseline
▲ 0.50% · 4.625%
HK$40,847
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,604/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,545
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,868
−HK$1,345/mo
Today · 4.125%
HK$45,213
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,426/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,331
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,600
−HK$1,288/mo
Today · 4.125%
HK$49,888
baseline
▲ 0.50% · 4.625%
HK$52,517
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,776/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,706 · Scale 2, in force from 26 Feb 2026)