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$23,676
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,413
−HK$748/mo
Today · 4.125%
HK$25,161
baseline
▲ 0.50% · 4.625%
HK$26,692
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,322/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,340
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,046
−HK$717/mo
Today · 4.125%
HK$27,763
baseline
▲ 0.50% · 4.625%
HK$29,226
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,526/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,412
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,296
−HK$897/mo
Today · 4.125%
HK$30,193
baseline
▲ 0.50% · 4.625%
HK$32,031
+HK$1,838/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,386/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,608
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,455
−HK$860/mo
Today · 4.125%
HK$33,315
baseline
▲ 0.50% · 4.625%
HK$35,072
+HK$1,757/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,630/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,147
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,178
−HK$1,048/mo
Today · 4.125%
HK$35,226
baseline
▲ 0.50% · 4.625%
HK$37,369
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,452/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,876
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,865
−HK$1,003/mo
Today · 4.125%
HK$38,868
baseline
▲ 0.50% · 4.625%
HK$40,917
+HK$2,049/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,736/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,618
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,943
−HK$1,347/mo
Today · 4.125%
HK$45,290
baseline
▲ 0.50% · 4.625%
HK$48,046
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,580/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,412
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,683
−HK$1,290/mo
Today · 4.125%
HK$49,973
baseline
▲ 0.50% · 4.625%
HK$52,607
+HK$2,634/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,946/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,372 · Scale 2, in force from 26 Feb 2026)