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$23,688
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,424
−HK$749/mo
Today · 4.125%
HK$25,173
baseline
▲ 0.50% · 4.625%
HK$26,705
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,346/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,352
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,059
−HK$717/mo
Today · 4.125%
HK$27,776
baseline
▲ 0.50% · 4.625%
HK$29,240
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,552/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,425
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,309
−HK$899/mo
Today · 4.125%
HK$30,208
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,416/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,623
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,471
−HK$860/mo
Today · 4.125%
HK$33,331
baseline
▲ 0.50% · 4.625%
HK$35,088
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,662/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,163
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,194
−HK$1,048/mo
Today · 4.125%
HK$35,242
baseline
▲ 0.50% · 4.625%
HK$37,387
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,484/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,893
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,883
−HK$1,003/mo
Today · 4.125%
HK$38,886
baseline
▲ 0.50% · 4.625%
HK$40,936
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,772/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,638
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,964
−HK$1,347/mo
Today · 4.125%
HK$45,311
baseline
▲ 0.50% · 4.625%
HK$48,068
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,622/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,434
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,706
−HK$1,291/mo
Today · 4.125%
HK$49,997
baseline
▲ 0.50% · 4.625%
HK$52,632
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,994/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,555 · Scale 2, in force from 26 Feb 2026)