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$23,626
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,361
−HK$747/mo
Today · 4.125%
HK$25,108
baseline
▲ 0.50% · 4.625%
HK$26,636
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,216/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,284
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,989
−HK$715/mo
Today · 4.125%
HK$27,704
baseline
▲ 0.50% · 4.625%
HK$29,164
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,408/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,352
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,233
−HK$896/mo
Today · 4.125%
HK$30,129
baseline
▲ 0.50% · 4.625%
HK$31,963
+HK$1,834/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,258/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,541
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,387
−HK$858/mo
Today · 4.125%
HK$33,245
baseline
▲ 0.50% · 4.625%
HK$34,997
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,490/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,077
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,106
−HK$1,045/mo
Today · 4.125%
HK$35,151
baseline
▲ 0.50% · 4.625%
HK$37,290
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,302/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,798
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,784
−HK$1,002/mo
Today · 4.125%
HK$38,786
baseline
▲ 0.50% · 4.625%
HK$40,830
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,572/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,527
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,850
−HK$1,344/mo
Today · 4.125%
HK$45,194
baseline
▲ 0.50% · 4.625%
HK$47,944
+HK$2,750/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,388/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,311
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,580
−HK$1,287/mo
Today · 4.125%
HK$49,867
baseline
▲ 0.50% · 4.625%
HK$52,496
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,734/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,546 · Scale 2, in force from 26 Feb 2026)