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$23,650
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$748/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,662
+HK$1,529/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,310
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,016
−HK$715/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,193
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,380
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,262
−HK$897/mo
Today · 4.125%
HK$30,159
baseline
▲ 0.50% · 4.625%
HK$31,994
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,318/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,572
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,419
−HK$859/mo
Today · 4.125%
HK$33,278
baseline
▲ 0.50% · 4.625%
HK$35,032
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,556/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,110
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,139
−HK$1,047/mo
Today · 4.125%
HK$35,186
baseline
▲ 0.50% · 4.625%
HK$37,327
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,372/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,834
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,822
−HK$1,002/mo
Today · 4.125%
HK$38,824
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,648/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,569
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,894
−HK$1,345/mo
Today · 4.125%
HK$45,239
baseline
▲ 0.50% · 4.625%
HK$47,992
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,478/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,358
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,628
−HK$1,289/mo
Today · 4.125%
HK$49,917
baseline
▲ 0.50% · 4.625%
HK$52,548
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,834/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,931 · Scale 2, in force from 26 Feb 2026)