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$23,684
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,421
−HK$748/mo
Today · 4.125%
HK$25,169
baseline
▲ 0.50% · 4.625%
HK$26,701
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,338/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,348
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,055
−HK$717/mo
Today · 4.125%
HK$27,772
baseline
▲ 0.50% · 4.625%
HK$29,236
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,544/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,421
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,305
−HK$898/mo
Today · 4.125%
HK$30,203
baseline
▲ 0.50% · 4.625%
HK$32,041
+HK$1,838/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,406/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,618
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,466
−HK$860/mo
Today · 4.125%
HK$33,326
baseline
▲ 0.50% · 4.625%
HK$35,083
+HK$1,757/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,652/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,158
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,189
−HK$1,048/mo
Today · 4.125%
HK$35,237
baseline
▲ 0.50% · 4.625%
HK$37,381
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,474/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,888
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,877
−HK$1,004/mo
Today · 4.125%
HK$38,881
baseline
▲ 0.50% · 4.625%
HK$40,930
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,762/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,631
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,957
−HK$1,348/mo
Today · 4.125%
HK$45,305
baseline
▲ 0.50% · 4.625%
HK$48,061
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,610/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,427
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,699
−HK$1,290/mo
Today · 4.125%
HK$49,989
baseline
▲ 0.50% · 4.625%
HK$52,624
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,978/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,497 · Scale 2, in force from 26 Feb 2026)