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$23,658
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,394
−HK$748/mo
Today · 4.125%
HK$25,142
baseline
▲ 0.50% · 4.625%
HK$26,671
+HK$1,529/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,284/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,319
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,025
−HK$716/mo
Today · 4.125%
HK$27,741
baseline
▲ 0.50% · 4.625%
HK$29,204
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,482/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,390
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,273
−HK$897/mo
Today · 4.125%
HK$30,170
baseline
▲ 0.50% · 4.625%
HK$32,006
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,340/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,583
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,430
−HK$860/mo
Today · 4.125%
HK$33,290
baseline
▲ 0.50% · 4.625%
HK$35,044
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,580/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,121
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,152
−HK$1,046/mo
Today · 4.125%
HK$35,198
baseline
▲ 0.50% · 4.625%
HK$37,340
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,396/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,847
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,835
−HK$1,003/mo
Today · 4.125%
HK$38,838
baseline
▲ 0.50% · 4.625%
HK$40,885
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,676/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,585
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,909
−HK$1,346/mo
Today · 4.125%
HK$45,255
baseline
▲ 0.50% · 4.625%
HK$48,009
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,510/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,375
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,645
−HK$1,289/mo
Today · 4.125%
HK$49,934
baseline
▲ 0.50% · 4.625%
HK$52,567
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,868/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,070 · Scale 2, in force from 26 Feb 2026)