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$23,644
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,379
−HK$748/mo
Today · 4.125%
HK$25,127
baseline
▲ 0.50% · 4.625%
HK$26,656
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,254/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,304
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,009
−HK$716/mo
Today · 4.125%
HK$27,725
baseline
▲ 0.50% · 4.625%
HK$29,186
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,450/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,373
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,255
−HK$897/mo
Today · 4.125%
HK$30,152
baseline
▲ 0.50% · 4.625%
HK$31,987
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,304/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,564
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,411
−HK$859/mo
Today · 4.125%
HK$33,270
baseline
▲ 0.50% · 4.625%
HK$35,024
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,540/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,102
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,131
−HK$1,046/mo
Today · 4.125%
HK$35,177
baseline
▲ 0.50% · 4.625%
HK$37,318
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,354/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,825
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,813
−HK$1,002/mo
Today · 4.125%
HK$38,815
baseline
▲ 0.50% · 4.625%
HK$40,861
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,630/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,559
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,883
−HK$1,345/mo
Today · 4.125%
HK$45,228
baseline
▲ 0.50% · 4.625%
HK$47,980
+HK$2,752/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,456/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,347
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,617
−HK$1,288/mo
Today · 4.125%
HK$49,905
baseline
▲ 0.50% · 4.625%
HK$52,535
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,810/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,839 · Scale 2, in force from 26 Feb 2026)