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$23,639
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,375
−HK$747/mo
Today · 4.125%
HK$25,122
baseline
▲ 0.50% · 4.625%
HK$26,650
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,244/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,299
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$27,004
−HK$715/mo
Today · 4.125%
HK$27,719
baseline
▲ 0.50% · 4.625%
HK$29,181
+HK$1,462/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,438/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,367
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,250
−HK$896/mo
Today · 4.125%
HK$30,146
baseline
▲ 0.50% · 4.625%
HK$31,981
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,292/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,558
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,405
−HK$858/mo
Today · 4.125%
HK$33,263
baseline
▲ 0.50% · 4.625%
HK$35,017
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,526/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,095
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,125
−HK$1,046/mo
Today · 4.125%
HK$35,171
baseline
▲ 0.50% · 4.625%
HK$37,311
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,342/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,818
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,806
−HK$1,001/mo
Today · 4.125%
HK$38,807
baseline
▲ 0.50% · 4.625%
HK$40,853
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,614/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,551
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,875
−HK$1,344/mo
Today · 4.125%
HK$45,219
baseline
▲ 0.50% · 4.625%
HK$47,971
+HK$2,752/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,438/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,338
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,607
−HK$1,288/mo
Today · 4.125%
HK$49,895
baseline
▲ 0.50% · 4.625%
HK$52,525
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,790/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,764 · Scale 2, in force from 26 Feb 2026)