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$23,671
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,407
−HK$748/mo
Today · 4.125%
HK$25,155
baseline
▲ 0.50% · 4.625%
HK$26,686
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,310/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,334
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,040
−HK$716/mo
Today · 4.125%
HK$27,756
baseline
▲ 0.50% · 4.625%
HK$29,220
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,512/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,405
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,289
−HK$897/mo
Today · 4.125%
HK$30,186
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,372/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,600
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$860/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,063
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,139
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,170
−HK$1,047/mo
Today · 4.125%
HK$35,217
baseline
▲ 0.50% · 4.625%
HK$37,360
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,434/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,867
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,003/mo
Today · 4.125%
HK$38,859
baseline
▲ 0.50% · 4.625%
HK$40,907
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,718/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,608
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,933
−HK$1,347/mo
Today · 4.125%
HK$45,280
baseline
▲ 0.50% · 4.625%
HK$48,035
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,560/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,401
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,290/mo
Today · 4.125%
HK$49,962
baseline
▲ 0.50% · 4.625%
HK$52,595
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,924/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,282 · Scale 2, in force from 26 Feb 2026)