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$23,619
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,354
−HK$746/mo
Today · 4.125%
HK$25,100
baseline
▲ 0.50% · 4.625%
HK$26,628
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,200/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,276
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,981
−HK$715/mo
Today · 4.125%
HK$27,696
baseline
▲ 0.50% · 4.625%
HK$29,156
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,392/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,343
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,225
−HK$895/mo
Today · 4.125%
HK$30,120
baseline
▲ 0.50% · 4.625%
HK$31,953
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,240/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,531
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,377
−HK$858/mo
Today · 4.125%
HK$33,235
baseline
▲ 0.50% · 4.625%
HK$34,987
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,470/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,067
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,095
−HK$1,045/mo
Today · 4.125%
HK$35,140
baseline
▲ 0.50% · 4.625%
HK$37,279
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,280/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,787
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,773
−HK$1,001/mo
Today · 4.125%
HK$38,774
baseline
▲ 0.50% · 4.625%
HK$40,818
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,548/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,515
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,837
−HK$1,344/mo
Today · 4.125%
HK$45,181
baseline
▲ 0.50% · 4.625%
HK$47,930
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,362/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,297
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,565
−HK$1,287/mo
Today · 4.125%
HK$49,852
baseline
▲ 0.50% · 4.625%
HK$52,480
+HK$2,628/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,704/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,430 · Scale 2, in force from 26 Feb 2026)