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$23,634
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,369
−HK$747/mo
Today · 4.125%
HK$25,116
baseline
▲ 0.50% · 4.625%
HK$26,644
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,232/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,293
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,998
−HK$715/mo
Today · 4.125%
HK$27,713
baseline
▲ 0.50% · 4.625%
HK$29,174
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,426/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,361
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,243
−HK$896/mo
Today · 4.125%
HK$30,139
baseline
▲ 0.50% · 4.625%
HK$31,973
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,278/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,551
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,397
−HK$859/mo
Today · 4.125%
HK$33,256
baseline
▲ 0.50% · 4.625%
HK$35,009
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,512/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,117
−HK$1,045/mo
Today · 4.125%
HK$35,162
baseline
▲ 0.50% · 4.625%
HK$37,302
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,324/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,810
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,797
−HK$1,001/mo
Today · 4.125%
HK$38,798
baseline
▲ 0.50% · 4.625%
HK$40,843
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,596/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,541
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,864
−HK$1,345/mo
Today · 4.125%
HK$45,209
baseline
▲ 0.50% · 4.625%
HK$47,960
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,418/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,327
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,596
−HK$1,288/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,513
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,674 · Scale 2, in force from 26 Feb 2026)