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$23,667
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,403
−HK$748/mo
Today · 4.125%
HK$25,151
baseline
▲ 0.50% · 4.625%
HK$26,681
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,302/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,329
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,035
−HK$716/mo
Today · 4.125%
HK$27,751
baseline
▲ 0.50% · 4.625%
HK$29,214
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,502/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,400
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,283
−HK$898/mo
Today · 4.125%
HK$30,181
baseline
▲ 0.50% · 4.625%
HK$32,017
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,362/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,595
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,442
−HK$860/mo
Today · 4.125%
HK$33,302
baseline
▲ 0.50% · 4.625%
HK$35,057
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,604/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,133
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,164
−HK$1,047/mo
Today · 4.125%
HK$35,211
baseline
▲ 0.50% · 4.625%
HK$37,354
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,422/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,860
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,849
−HK$1,003/mo
Today · 4.125%
HK$38,852
baseline
▲ 0.50% · 4.625%
HK$40,900
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,704/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,600
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,925
−HK$1,346/mo
Today · 4.125%
HK$45,271
baseline
▲ 0.50% · 4.625%
HK$48,026
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,542/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,392
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,663
−HK$1,290/mo
Today · 4.125%
HK$49,953
baseline
▲ 0.50% · 4.625%
HK$52,586
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,906/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,211 · Scale 2, in force from 26 Feb 2026)