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$23,684
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$749/mo
Today · 4.125%
HK$25,169
baseline
▲ 0.50% · 4.625%
HK$26,700
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,338/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,348
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,055
−HK$716/mo
Today · 4.125%
HK$27,771
baseline
▲ 0.50% · 4.625%
HK$29,235
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,542/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,421
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,305
−HK$898/mo
Today · 4.125%
HK$30,203
baseline
▲ 0.50% · 4.625%
HK$32,040
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,406/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,618
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,466
−HK$860/mo
Today · 4.125%
HK$33,326
baseline
▲ 0.50% · 4.625%
HK$35,082
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,652/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,157
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,189
−HK$1,048/mo
Today · 4.125%
HK$35,237
baseline
▲ 0.50% · 4.625%
HK$37,381
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,474/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,887
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,876
−HK$1,004/mo
Today · 4.125%
HK$38,880
baseline
▲ 0.50% · 4.625%
HK$40,929
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,760/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,631
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,957
−HK$1,347/mo
Today · 4.125%
HK$45,304
baseline
▲ 0.50% · 4.625%
HK$48,061
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,608/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,426
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,698
−HK$1,291/mo
Today · 4.125%
HK$49,989
baseline
▲ 0.50% · 4.625%
HK$52,624
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,978/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,492 · Scale 2, in force from 26 Feb 2026)