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$23,634
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,370
−HK$746/mo
Today · 4.125%
HK$25,116
baseline
▲ 0.50% · 4.625%
HK$26,645
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,232/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,293
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,998
−HK$716/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,174
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,361
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,243
−HK$897/mo
Today · 4.125%
HK$30,140
baseline
▲ 0.50% · 4.625%
HK$31,974
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,280/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,552
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,398
−HK$858/mo
Today · 4.125%
HK$33,256
baseline
▲ 0.50% · 4.625%
HK$35,009
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,512/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,117
−HK$1,046/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,303
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,810
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,797
−HK$1,002/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$40,844
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,542
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,865
−HK$1,345/mo
Today · 4.125%
HK$45,210
baseline
▲ 0.50% · 4.625%
HK$47,961
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,420/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,327
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,597
−HK$1,287/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,514
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,680 · Scale 2, in force from 26 Feb 2026)