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$23,686
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,422
−HK$749/mo
Today · 4.125%
HK$25,171
baseline
▲ 0.50% · 4.625%
HK$26,702
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,342/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,057
−HK$716/mo
Today · 4.125%
HK$27,773
baseline
▲ 0.50% · 4.625%
HK$29,237
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,546/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,423
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$898/mo
Today · 4.125%
HK$30,205
baseline
▲ 0.50% · 4.625%
HK$32,043
+HK$1,838/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,410/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,620
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,468
−HK$860/mo
Today · 4.125%
HK$33,328
baseline
▲ 0.50% · 4.625%
HK$35,085
+HK$1,757/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,656/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,160
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,191
−HK$1,048/mo
Today · 4.125%
HK$35,239
baseline
▲ 0.50% · 4.625%
HK$37,383
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,478/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,890
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,004/mo
Today · 4.125%
HK$38,883
baseline
▲ 0.50% · 4.625%
HK$40,932
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,766/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,634
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,960
−HK$1,347/mo
Today · 4.125%
HK$45,307
baseline
▲ 0.50% · 4.625%
HK$48,064
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,614/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,430
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,702
−HK$1,290/mo
Today · 4.125%
HK$49,992
baseline
▲ 0.50% · 4.625%
HK$52,627
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,984/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,521 · Scale 2, in force from 26 Feb 2026)