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$23,647
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$747/mo
Today · 4.125%
HK$25,130
baseline
▲ 0.50% · 4.625%
HK$26,659
+HK$1,529/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,260/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,307
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,013
−HK$716/mo
Today · 4.125%
HK$27,729
baseline
▲ 0.50% · 4.625%
HK$29,190
+HK$1,461/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,458/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,377
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$896/mo
Today · 4.125%
HK$30,156
baseline
▲ 0.50% · 4.625%
HK$31,991
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,312/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,569
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,416
−HK$859/mo
Today · 4.125%
HK$33,275
baseline
▲ 0.50% · 4.625%
HK$35,028
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,550/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,106
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,136
−HK$1,046/mo
Today · 4.125%
HK$35,182
baseline
▲ 0.50% · 4.625%
HK$37,323
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,364/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,830
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,818
−HK$1,002/mo
Today · 4.125%
HK$38,820
baseline
▲ 0.50% · 4.625%
HK$40,867
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,640/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,565
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,889
−HK$1,345/mo
Today · 4.125%
HK$45,234
baseline
▲ 0.50% · 4.625%
HK$47,987
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,468/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,353
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,623
−HK$1,289/mo
Today · 4.125%
HK$49,912
baseline
▲ 0.50% · 4.625%
HK$52,543
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,824/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,894 · Scale 2, in force from 26 Feb 2026)