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$23,598
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,332
−HK$746/mo
Today · 4.125%
HK$25,078
baseline
▲ 0.50% · 4.625%
HK$26,604
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,156/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,253
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$714/mo
Today · 4.125%
HK$27,671
baseline
▲ 0.50% · 4.625%
HK$29,130
+HK$1,459/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,342/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,318
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,199
−HK$894/mo
Today · 4.125%
HK$30,093
baseline
▲ 0.50% · 4.625%
HK$31,925
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,186/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,503
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,348
−HK$857/mo
Today · 4.125%
HK$33,205
baseline
▲ 0.50% · 4.625%
HK$34,955
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,410/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,037
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,065
−HK$1,044/mo
Today · 4.125%
HK$35,109
baseline
▲ 0.50% · 4.625%
HK$37,245
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,218/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,754
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,739
−HK$1,000/mo
Today · 4.125%
HK$38,739
baseline
▲ 0.50% · 4.625%
HK$40,781
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,478/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,477
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,798
−HK$1,342/mo
Today · 4.125%
HK$45,140
baseline
▲ 0.50% · 4.625%
HK$47,887
+HK$2,747/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,280/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,255
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,522
−HK$1,286/mo
Today · 4.125%
HK$49,808
baseline
▲ 0.50% · 4.625%
HK$52,433
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,616/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,083 · Scale 2, in force from 26 Feb 2026)