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$23,643
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,379
−HK$747/mo
Today · 4.125%
HK$25,126
baseline
▲ 0.50% · 4.625%
HK$26,655
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,252/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,303
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,008
−HK$716/mo
Today · 4.125%
HK$27,724
baseline
▲ 0.50% · 4.625%
HK$29,185
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,448/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,372
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,255
−HK$896/mo
Today · 4.125%
HK$30,151
baseline
▲ 0.50% · 4.625%
HK$31,986
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,302/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,564
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,410
−HK$859/mo
Today · 4.125%
HK$33,269
baseline
▲ 0.50% · 4.625%
HK$35,023
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,538/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,101
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,130
−HK$1,046/mo
Today · 4.125%
HK$35,176
baseline
▲ 0.50% · 4.625%
HK$37,317
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,352/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,824
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,812
−HK$1,002/mo
Today · 4.125%
HK$38,814
baseline
▲ 0.50% · 4.625%
HK$40,860
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,628/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,558
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,882
−HK$1,345/mo
Today · 4.125%
HK$45,227
baseline
▲ 0.50% · 4.625%
HK$47,979
+HK$2,752/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,454/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,345
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,615
−HK$1,288/mo
Today · 4.125%
HK$49,903
baseline
▲ 0.50% · 4.625%
HK$52,534
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,806/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,828 · Scale 2, in force from 26 Feb 2026)