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$23,646
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$747/mo
Today · 4.125%
HK$25,129
baseline
▲ 0.50% · 4.625%
HK$26,658
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,258/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,306
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,012
−HK$715/mo
Today · 4.125%
HK$27,727
baseline
▲ 0.50% · 4.625%
HK$29,189
+HK$1,462/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,454/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,375
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,258
−HK$897/mo
Today · 4.125%
HK$30,155
baseline
▲ 0.50% · 4.625%
HK$31,990
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,310/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,567
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,414
−HK$859/mo
Today · 4.125%
HK$33,273
baseline
▲ 0.50% · 4.625%
HK$35,027
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,546/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,105
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,134
−HK$1,047/mo
Today · 4.125%
HK$35,181
baseline
▲ 0.50% · 4.625%
HK$37,321
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,362/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,829
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,816
−HK$1,002/mo
Today · 4.125%
HK$38,818
baseline
▲ 0.50% · 4.625%
HK$40,864
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,636/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,563
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,887
−HK$1,345/mo
Today · 4.125%
HK$45,232
baseline
▲ 0.50% · 4.625%
HK$47,984
+HK$2,752/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,464/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,351
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,621
−HK$1,288/mo
Today · 4.125%
HK$49,909
baseline
▲ 0.50% · 4.625%
HK$52,540
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,818/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,874 · Scale 2, in force from 26 Feb 2026)