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$23,661
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,397
−HK$748/mo
Today · 4.125%
HK$25,145
baseline
▲ 0.50% · 4.625%
HK$26,675
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,290/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,323
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,029
−HK$716/mo
Today · 4.125%
HK$27,745
baseline
▲ 0.50% · 4.625%
HK$29,207
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,490/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,393
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,277
−HK$897/mo
Today · 4.125%
HK$30,174
baseline
▲ 0.50% · 4.625%
HK$32,010
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,348/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,587
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,435
−HK$859/mo
Today · 4.125%
HK$33,294
baseline
▲ 0.50% · 4.625%
HK$35,049
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,588/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,126
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,156
−HK$1,047/mo
Today · 4.125%
HK$35,203
baseline
▲ 0.50% · 4.625%
HK$37,345
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,406/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,852
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,840
−HK$1,003/mo
Today · 4.125%
HK$38,843
baseline
▲ 0.50% · 4.625%
HK$40,890
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,686/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,590
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,915
−HK$1,346/mo
Today · 4.125%
HK$45,261
baseline
▲ 0.50% · 4.625%
HK$48,015
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,522/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,381
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,652
−HK$1,289/mo
Today · 4.125%
HK$49,941
baseline
▲ 0.50% · 4.625%
HK$52,573
+HK$2,632/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,882/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,121 · Scale 2, in force from 26 Feb 2026)