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$23,631
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,366
−HK$746/mo
Today · 4.125%
HK$25,112
baseline
▲ 0.50% · 4.625%
HK$26,640
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,224/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,289
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$715/mo
Today · 4.125%
HK$27,709
baseline
▲ 0.50% · 4.625%
HK$29,170
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,418/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,357
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,239
−HK$896/mo
Today · 4.125%
HK$30,135
baseline
▲ 0.50% · 4.625%
HK$31,968
+HK$1,833/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,270/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,546
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,393
−HK$858/mo
Today · 4.125%
HK$33,251
baseline
▲ 0.50% · 4.625%
HK$35,004
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,502/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,083
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,112
−HK$1,045/mo
Today · 4.125%
HK$35,157
baseline
▲ 0.50% · 4.625%
HK$37,297
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,314/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,804
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,791
−HK$1,002/mo
Today · 4.125%
HK$38,793
baseline
▲ 0.50% · 4.625%
HK$40,837
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,586/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,535
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,858
−HK$1,344/mo
Today · 4.125%
HK$45,202
baseline
▲ 0.50% · 4.625%
HK$47,953
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,404/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,320
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,589
−HK$1,287/mo
Today · 4.125%
HK$49,876
baseline
▲ 0.50% · 4.625%
HK$52,505
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,752/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,617 · Scale 2, in force from 26 Feb 2026)