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$23,612
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,346
−HK$746/mo
Today · 4.125%
HK$25,092
baseline
▲ 0.50% · 4.625%
HK$26,619
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,184/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,268
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$715/mo
Today · 4.125%
HK$27,687
baseline
▲ 0.50% · 4.625%
HK$29,146
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,374/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,334
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,215
−HK$896/mo
Today · 4.125%
HK$30,111
baseline
▲ 0.50% · 4.625%
HK$31,943
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,222/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,521
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,367
−HK$857/mo
Today · 4.125%
HK$33,224
baseline
▲ 0.50% · 4.625%
HK$34,976
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,448/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,056
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,085
−HK$1,044/mo
Today · 4.125%
HK$35,129
baseline
▲ 0.50% · 4.625%
HK$37,267
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,258/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,775
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,761
−HK$1,001/mo
Today · 4.125%
HK$38,762
baseline
▲ 0.50% · 4.625%
HK$40,805
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,524/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,501
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,823
−HK$1,343/mo
Today · 4.125%
HK$45,166
baseline
▲ 0.50% · 4.625%
HK$47,914
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,332/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,282
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,550
−HK$1,286/mo
Today · 4.125%
HK$49,836
baseline
▲ 0.50% · 4.625%
HK$52,463
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,672/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,307 · Scale 2, in force from 26 Feb 2026)