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$23,654
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,390
−HK$747/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,667
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,315
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,020
−HK$716/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,198
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,385
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,268
−HK$897/mo
Today · 4.125%
HK$30,165
baseline
▲ 0.50% · 4.625%
HK$32,000
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,330/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,578
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,425
−HK$859/mo
Today · 4.125%
HK$33,284
baseline
▲ 0.50% · 4.625%
HK$35,038
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,568/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,115
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,146
−HK$1,046/mo
Today · 4.125%
HK$35,192
baseline
▲ 0.50% · 4.625%
HK$37,333
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,384/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,841
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,829
−HK$1,002/mo
Today · 4.125%
HK$38,831
baseline
▲ 0.50% · 4.625%
HK$40,878
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,662/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,577
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,901
−HK$1,346/mo
Today · 4.125%
HK$45,247
baseline
▲ 0.50% · 4.625%
HK$48,000
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,494/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,366
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,637
−HK$1,289/mo
Today · 4.125%
HK$49,926
baseline
▲ 0.50% · 4.625%
HK$52,557
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,852/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,001 · Scale 2, in force from 26 Feb 2026)