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$23,670
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,406
−HK$748/mo
Today · 4.125%
HK$25,154
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,308/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,332
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$717/mo
Today · 4.125%
HK$27,755
baseline
▲ 0.50% · 4.625%
HK$29,218
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,510/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,404
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,287
−HK$898/mo
Today · 4.125%
HK$30,185
baseline
▲ 0.50% · 4.625%
HK$32,021
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,370/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,599
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,446
−HK$860/mo
Today · 4.125%
HK$33,306
baseline
▲ 0.50% · 4.625%
HK$35,062
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,612/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,138
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,168
−HK$1,048/mo
Today · 4.125%
HK$35,216
baseline
▲ 0.50% · 4.625%
HK$37,358
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,432/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,865
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,854
−HK$1,003/mo
Today · 4.125%
HK$38,857
baseline
▲ 0.50% · 4.625%
HK$40,905
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,714/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,605
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,931
−HK$1,346/mo
Today · 4.125%
HK$45,277
baseline
▲ 0.50% · 4.625%
HK$48,032
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,554/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,398
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,669
−HK$1,290/mo
Today · 4.125%
HK$49,959
baseline
▲ 0.50% · 4.625%
HK$52,592
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,918/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,261 · Scale 2, in force from 26 Feb 2026)