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$23,624
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,359
−HK$746/mo
Today · 4.125%
HK$25,105
baseline
▲ 0.50% · 4.625%
HK$26,633
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,210/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,281
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,986
−HK$715/mo
Today · 4.125%
HK$27,701
baseline
▲ 0.50% · 4.625%
HK$29,162
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,402/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,349
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,231
−HK$896/mo
Today · 4.125%
HK$30,127
baseline
▲ 0.50% · 4.625%
HK$31,960
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,254/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,538
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,384
−HK$858/mo
Today · 4.125%
HK$33,242
baseline
▲ 0.50% · 4.625%
HK$34,994
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,484/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,074
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,102
−HK$1,046/mo
Today · 4.125%
HK$35,148
baseline
▲ 0.50% · 4.625%
HK$37,286
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,296/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,794
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,781
−HK$1,001/mo
Today · 4.125%
HK$38,782
baseline
▲ 0.50% · 4.625%
HK$40,826
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,564/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,523
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,846
−HK$1,344/mo
Today · 4.125%
HK$45,190
baseline
▲ 0.50% · 4.625%
HK$47,939
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,380/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,307
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,575
−HK$1,287/mo
Today · 4.125%
HK$49,862
baseline
▲ 0.50% · 4.625%
HK$52,491
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,724/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,509 · Scale 2, in force from 26 Feb 2026)