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$23,678
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,414
−HK$749/mo
Today · 4.125%
HK$25,163
baseline
▲ 0.50% · 4.625%
HK$26,694
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,326/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,341
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,048
−HK$717/mo
Today · 4.125%
HK$27,765
baseline
▲ 0.50% · 4.625%
HK$29,228
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,530/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,414
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,297
−HK$898/mo
Today · 4.125%
HK$30,195
baseline
▲ 0.50% · 4.625%
HK$32,033
+HK$1,838/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,390/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,610
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,458
−HK$860/mo
Today · 4.125%
HK$33,318
baseline
▲ 0.50% · 4.625%
HK$35,074
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,636/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,149
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,180
−HK$1,048/mo
Today · 4.125%
HK$35,228
baseline
▲ 0.50% · 4.625%
HK$37,371
+HK$2,143/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,456/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,878
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,867
−HK$1,003/mo
Today · 4.125%
HK$38,870
baseline
▲ 0.50% · 4.625%
HK$40,919
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,740/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,620
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,946
−HK$1,347/mo
Today · 4.125%
HK$45,293
baseline
▲ 0.50% · 4.625%
HK$48,049
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,586/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,415
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,686
−HK$1,290/mo
Today · 4.125%
HK$49,976
baseline
▲ 0.50% · 4.625%
HK$52,611
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,952/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,397 · Scale 2, in force from 26 Feb 2026)