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$23,604
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,338
−HK$746/mo
Today · 4.125%
HK$25,084
baseline
▲ 0.50% · 4.625%
HK$26,610
+HK$1,526/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,168/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,259
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,963
−HK$715/mo
Today · 4.125%
HK$27,678
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,458/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,356/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,324
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,205
−HK$896/mo
Today · 4.125%
HK$30,101
baseline
▲ 0.50% · 4.625%
HK$31,932
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,202/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,511
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,356
−HK$857/mo
Today · 4.125%
HK$33,213
baseline
▲ 0.50% · 4.625%
HK$34,964
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,426/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,045
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,073
−HK$1,044/mo
Today · 4.125%
HK$35,117
baseline
▲ 0.50% · 4.625%
HK$37,254
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,234/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,762
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,748
−HK$1,001/mo
Today · 4.125%
HK$38,749
baseline
▲ 0.50% · 4.625%
HK$40,791
+HK$2,042/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,498/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,487
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,808
−HK$1,343/mo
Today · 4.125%
HK$45,151
baseline
▲ 0.50% · 4.625%
HK$47,898
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,302/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,266
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,534
−HK$1,286/mo
Today · 4.125%
HK$49,820
baseline
▲ 0.50% · 4.625%
HK$52,446
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,640/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,175 · Scale 2, in force from 26 Feb 2026)