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$23,654
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$748/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,666
+HK$1,529/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$388,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,314
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,020
−HK$716/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,198
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$388,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,384
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,267
−HK$897/mo
Today · 4.125%
HK$30,164
baseline
▲ 0.50% · 4.625%
HK$32,000
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,328/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,577
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,424
−HK$859/mo
Today · 4.125%
HK$33,283
baseline
▲ 0.50% · 4.625%
HK$35,038
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,566/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,115
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,145
−HK$1,047/mo
Today · 4.125%
HK$35,192
baseline
▲ 0.50% · 4.625%
HK$37,333
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,384/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,840
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,828
−HK$1,002/mo
Today · 4.125%
HK$38,830
baseline
▲ 0.50% · 4.625%
HK$40,877
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,660/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,576
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,901
−HK$1,345/mo
Today · 4.125%
HK$45,246
baseline
▲ 0.50% · 4.625%
HK$47,999
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,492/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,366
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,636
−HK$1,289/mo
Today · 4.125%
HK$49,925
baseline
▲ 0.50% · 4.625%
HK$52,556
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,850/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,995 · Scale 2, in force from 26 Feb 2026)