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$23,688
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,425
−HK$749/mo
Today · 4.125%
HK$25,174
baseline
▲ 0.50% · 4.625%
HK$26,705
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,348/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,353
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,060
−HK$717/mo
Today · 4.125%
HK$27,777
baseline
▲ 0.50% · 4.625%
HK$29,241
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,554/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,426
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,310
−HK$898/mo
Today · 4.125%
HK$30,208
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,416/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,623
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,471
−HK$861/mo
Today · 4.125%
HK$33,332
baseline
▲ 0.50% · 4.625%
HK$35,089
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,664/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,163
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,195
−HK$1,048/mo
Today · 4.125%
HK$35,243
baseline
▲ 0.50% · 4.625%
HK$37,387
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,486/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,894
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,883
−HK$1,004/mo
Today · 4.125%
HK$38,887
baseline
▲ 0.50% · 4.625%
HK$40,937
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,774/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,639
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,965
−HK$1,347/mo
Today · 4.125%
HK$45,312
baseline
▲ 0.50% · 4.625%
HK$48,070
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,624/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,435
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,707
−HK$1,291/mo
Today · 4.125%
HK$49,998
baseline
▲ 0.50% · 4.625%
HK$52,633
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,996/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,564 · Scale 2, in force from 26 Feb 2026)