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$23,641
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,376
−HK$748/mo
Today · 4.125%
HK$25,124
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,248/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,301
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$27,006
−HK$715/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,183
+HK$1,462/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,369
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,252
−HK$896/mo
Today · 4.125%
HK$30,148
baseline
▲ 0.50% · 4.625%
HK$31,983
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,296/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,561
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,407
−HK$859/mo
Today · 4.125%
HK$33,266
baseline
▲ 0.50% · 4.625%
HK$35,019
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,532/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,098
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,127
−HK$1,046/mo
Today · 4.125%
HK$35,173
baseline
▲ 0.50% · 4.625%
HK$37,313
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,346/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,821
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,808
−HK$1,002/mo
Today · 4.125%
HK$38,810
baseline
▲ 0.50% · 4.625%
HK$40,856
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,620/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,554
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,878
−HK$1,345/mo
Today · 4.125%
HK$45,223
baseline
▲ 0.50% · 4.625%
HK$47,974
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,446/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,341
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,611
−HK$1,288/mo
Today · 4.125%
HK$49,899
baseline
▲ 0.50% · 4.625%
HK$52,529
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,798/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,791 · Scale 2, in force from 26 Feb 2026)