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$23,669
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$748/mo
Today · 4.125%
HK$25,153
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,306/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,331
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,037
−HK$717/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,402
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,286
−HK$897/mo
Today · 4.125%
HK$30,183
baseline
▲ 0.50% · 4.625%
HK$32,020
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,366/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,597
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,445
−HK$859/mo
Today · 4.125%
HK$33,304
baseline
▲ 0.50% · 4.625%
HK$35,060
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,608/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,136
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,167
−HK$1,047/mo
Today · 4.125%
HK$35,214
baseline
▲ 0.50% · 4.625%
HK$37,357
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,428/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,863
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,852
−HK$1,003/mo
Today · 4.125%
HK$38,855
baseline
▲ 0.50% · 4.625%
HK$40,903
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,710/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,603
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,929
−HK$1,346/mo
Today · 4.125%
HK$45,275
baseline
▲ 0.50% · 4.625%
HK$48,030
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,550/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,396
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,667
−HK$1,290/mo
Today · 4.125%
HK$49,957
baseline
▲ 0.50% · 4.625%
HK$52,590
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,914/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,243 · Scale 2, in force from 26 Feb 2026)