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$23,635
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,370
−HK$747/mo
Today · 4.125%
HK$25,117
baseline
▲ 0.50% · 4.625%
HK$26,645
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,234/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,293
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,998
−HK$716/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,362
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,244
−HK$896/mo
Today · 4.125%
HK$30,140
baseline
▲ 0.50% · 4.625%
HK$31,974
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,280/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,552
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,398
−HK$859/mo
Today · 4.125%
HK$33,257
baseline
▲ 0.50% · 4.625%
HK$35,010
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,514/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,118
−HK$1,045/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,303
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,811
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,798
−HK$1,001/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$40,844
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,542
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,866
−HK$1,344/mo
Today · 4.125%
HK$45,210
baseline
▲ 0.50% · 4.625%
HK$47,961
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,420/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,328
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,597
−HK$1,288/mo
Today · 4.125%
HK$49,885
baseline
▲ 0.50% · 4.625%
HK$52,514
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,770/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,684 · Scale 2, in force from 26 Feb 2026)