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$23,605
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,339
−HK$746/mo
Today · 4.125%
HK$25,085
baseline
▲ 0.50% · 4.625%
HK$26,611
+HK$1,526/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,170/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,260
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,964
−HK$715/mo
Today · 4.125%
HK$27,679
baseline
▲ 0.50% · 4.625%
HK$29,138
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,358/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,326
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,207
−HK$895/mo
Today · 4.125%
HK$30,102
baseline
▲ 0.50% · 4.625%
HK$31,933
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,204/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,512
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,357
−HK$857/mo
Today · 4.125%
HK$33,214
baseline
▲ 0.50% · 4.625%
HK$34,965
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,428/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,047
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,074
−HK$1,045/mo
Today · 4.125%
HK$35,119
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,238/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,764
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,750
−HK$1,000/mo
Today · 4.125%
HK$38,750
baseline
▲ 0.50% · 4.625%
HK$40,793
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,500/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,488
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,810
−HK$1,343/mo
Today · 4.125%
HK$45,153
baseline
▲ 0.50% · 4.625%
HK$47,900
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,306/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,268
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,536
−HK$1,286/mo
Today · 4.125%
HK$49,822
baseline
▲ 0.50% · 4.625%
HK$52,448
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,644/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,191 · Scale 2, in force from 26 Feb 2026)