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$23,666
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,402
−HK$748/mo
Today · 4.125%
HK$25,150
baseline
▲ 0.50% · 4.625%
HK$26,680
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,300/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,328
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,034
−HK$716/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,213
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,399
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,282
−HK$898/mo
Today · 4.125%
HK$30,180
baseline
▲ 0.50% · 4.625%
HK$32,016
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,360/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,594
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,441
−HK$860/mo
Today · 4.125%
HK$33,301
baseline
▲ 0.50% · 4.625%
HK$35,056
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,602/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,132
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,163
−HK$1,047/mo
Today · 4.125%
HK$35,210
baseline
▲ 0.50% · 4.625%
HK$37,352
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,420/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,859
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,848
−HK$1,003/mo
Today · 4.125%
HK$38,851
baseline
▲ 0.50% · 4.625%
HK$40,898
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,702/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,599
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,924
−HK$1,346/mo
Today · 4.125%
HK$45,270
baseline
▲ 0.50% · 4.625%
HK$48,024
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,540/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,390
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,661
−HK$1,290/mo
Today · 4.125%
HK$49,951
baseline
▲ 0.50% · 4.625%
HK$52,584
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,902/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,198 · Scale 2, in force from 26 Feb 2026)