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$23,615
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,349
−HK$746/mo
Today · 4.125%
HK$25,095
baseline
▲ 0.50% · 4.625%
HK$26,622
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,190/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,271
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,976
−HK$714/mo
Today · 4.125%
HK$27,690
baseline
▲ 0.50% · 4.625%
HK$29,150
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,380/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,338
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,219
−HK$896/mo
Today · 4.125%
HK$30,115
baseline
▲ 0.50% · 4.625%
HK$31,947
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,230/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,525
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,371
−HK$857/mo
Today · 4.125%
HK$33,228
baseline
▲ 0.50% · 4.625%
HK$34,980
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,456/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,060
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,089
−HK$1,045/mo
Today · 4.125%
HK$35,134
baseline
▲ 0.50% · 4.625%
HK$37,271
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,268/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,779
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,766
−HK$1,001/mo
Today · 4.125%
HK$38,767
baseline
▲ 0.50% · 4.625%
HK$40,810
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,534/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,506
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,829
−HK$1,343/mo
Today · 4.125%
HK$45,172
baseline
▲ 0.50% · 4.625%
HK$47,920
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,344/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,288
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,556
−HK$1,287/mo
Today · 4.125%
HK$49,843
baseline
▲ 0.50% · 4.625%
HK$52,470
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,686/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,355 · Scale 2, in force from 26 Feb 2026)