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$23,601
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$745/mo
Today · 4.125%
HK$25,081
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,162/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,256
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,961
−HK$714/mo
Today · 4.125%
HK$27,675
baseline
▲ 0.50% · 4.625%
HK$29,134
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,350/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,322
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,203
−HK$895/mo
Today · 4.125%
HK$30,098
baseline
▲ 0.50% · 4.625%
HK$31,929
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,196/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,508
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,353
−HK$857/mo
Today · 4.125%
HK$33,210
baseline
▲ 0.50% · 4.625%
HK$34,960
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,420/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,042
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,070
−HK$1,044/mo
Today · 4.125%
HK$35,114
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,228/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,759
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,745
−HK$1,000/mo
Today · 4.125%
HK$38,745
baseline
▲ 0.50% · 4.625%
HK$40,787
+HK$2,042/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,490/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,483
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,804
−HK$1,343/mo
Today · 4.125%
HK$45,147
baseline
▲ 0.50% · 4.625%
HK$47,894
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,294/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,261
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,529
−HK$1,286/mo
Today · 4.125%
HK$49,815
baseline
▲ 0.50% · 4.625%
HK$52,441
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,630/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,139 · Scale 2, in force from 26 Feb 2026)