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$23,660
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,396
−HK$747/mo
Today · 4.125%
HK$25,143
baseline
▲ 0.50% · 4.625%
HK$26,673
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,286/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,321
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,027
−HK$716/mo
Today · 4.125%
HK$27,743
baseline
▲ 0.50% · 4.625%
HK$29,206
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,486/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,392
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,275
−HK$897/mo
Today · 4.125%
HK$30,172
baseline
▲ 0.50% · 4.625%
HK$32,008
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,344/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,586
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,433
−HK$859/mo
Today · 4.125%
HK$33,292
baseline
▲ 0.50% · 4.625%
HK$35,047
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,584/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,124
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,154
−HK$1,047/mo
Today · 4.125%
HK$35,201
baseline
▲ 0.50% · 4.625%
HK$37,343
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,402/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,850
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,838
−HK$1,003/mo
Today · 4.125%
HK$38,841
baseline
▲ 0.50% · 4.625%
HK$40,888
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,682/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,588
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,912
−HK$1,346/mo
Today · 4.125%
HK$45,258
baseline
▲ 0.50% · 4.625%
HK$48,012
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,516/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,378
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,649
−HK$1,289/mo
Today · 4.125%
HK$49,938
baseline
▲ 0.50% · 4.625%
HK$52,570
+HK$2,632/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,876/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,098 · Scale 2, in force from 26 Feb 2026)