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$23,656
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,391
−HK$748/mo
Today · 4.125%
HK$25,139
baseline
▲ 0.50% · 4.625%
HK$26,669
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,278/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,317
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,022
−HK$716/mo
Today · 4.125%
HK$27,738
baseline
▲ 0.50% · 4.625%
HK$29,201
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,476/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,387
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,270
−HK$897/mo
Today · 4.125%
HK$30,167
baseline
▲ 0.50% · 4.625%
HK$32,002
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,334/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,580
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,427
−HK$859/mo
Today · 4.125%
HK$33,286
baseline
▲ 0.50% · 4.625%
HK$35,041
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,572/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,118
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,148
−HK$1,047/mo
Today · 4.125%
HK$35,195
baseline
▲ 0.50% · 4.625%
HK$37,336
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,390/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,843
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,831
−HK$1,003/mo
Today · 4.125%
HK$38,834
baseline
▲ 0.50% · 4.625%
HK$40,881
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,668/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,580
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,905
−HK$1,345/mo
Today · 4.125%
HK$45,250
baseline
▲ 0.50% · 4.625%
HK$48,004
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,500/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,370
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,640
−HK$1,289/mo
Today · 4.125%
HK$49,929
baseline
▲ 0.50% · 4.625%
HK$52,561
+HK$2,632/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,858/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,029 · Scale 2, in force from 26 Feb 2026)