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$23,659
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,395
−HK$748/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$389,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,320
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,026
−HK$716/mo
Today · 4.125%
HK$27,742
baseline
▲ 0.50% · 4.625%
HK$29,205
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,484/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,391
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,274
−HK$897/mo
Today · 4.125%
HK$30,171
baseline
▲ 0.50% · 4.625%
HK$32,007
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,342/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$859/mo
Today · 4.125%
HK$33,291
baseline
▲ 0.50% · 4.625%
HK$35,046
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,582/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,123
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,153
−HK$1,047/mo
Today · 4.125%
HK$35,200
baseline
▲ 0.50% · 4.625%
HK$37,342
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,400/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,849
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,837
−HK$1,002/mo
Today · 4.125%
HK$38,839
baseline
▲ 0.50% · 4.625%
HK$40,887
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,678/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,586
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,911
−HK$1,346/mo
Today · 4.125%
HK$45,257
baseline
▲ 0.50% · 4.625%
HK$48,011
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,514/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,377
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,647
−HK$1,289/mo
Today · 4.125%
HK$49,936
baseline
▲ 0.50% · 4.625%
HK$52,569
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,872/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,086 · Scale 2, in force from 26 Feb 2026)