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$23,609
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,343
−HK$746/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,616
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,265
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,969
−HK$715/mo
Today · 4.125%
HK$27,684
baseline
▲ 0.50% · 4.625%
HK$29,143
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,368/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,331
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,212
−HK$895/mo
Today · 4.125%
HK$30,107
baseline
▲ 0.50% · 4.625%
HK$31,939
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,214/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,518
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,363
−HK$857/mo
Today · 4.125%
HK$33,220
baseline
▲ 0.50% · 4.625%
HK$34,971
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,440/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,052
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,081
−HK$1,044/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$37,262
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,770
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,757
−HK$1,000/mo
Today · 4.125%
HK$38,757
baseline
▲ 0.50% · 4.625%
HK$40,800
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,514/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,496
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,818
−HK$1,343/mo
Today · 4.125%
HK$45,161
baseline
▲ 0.50% · 4.625%
HK$47,909
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,322/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,276
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,544
−HK$1,287/mo
Today · 4.125%
HK$49,831
baseline
▲ 0.50% · 4.625%
HK$52,457
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,662/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,261 · Scale 2, in force from 26 Feb 2026)