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$23,665
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$748/mo
Today · 4.125%
HK$25,149
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,298/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,327
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$716/mo
Today · 4.125%
HK$27,749
baseline
▲ 0.50% · 4.625%
HK$29,212
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,498/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,398
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,281
−HK$897/mo
Today · 4.125%
HK$30,178
baseline
▲ 0.50% · 4.625%
HK$32,015
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,356/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,592
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,439
−HK$860/mo
Today · 4.125%
HK$33,299
baseline
▲ 0.50% · 4.625%
HK$35,054
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,598/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,131
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,161
−HK$1,047/mo
Today · 4.125%
HK$35,208
baseline
▲ 0.50% · 4.625%
HK$37,350
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,416/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,857
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,846
−HK$1,003/mo
Today · 4.125%
HK$38,849
baseline
▲ 0.50% · 4.625%
HK$40,896
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,698/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,596
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,921
−HK$1,347/mo
Today · 4.125%
HK$45,268
baseline
▲ 0.50% · 4.625%
HK$48,022
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,536/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,388
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,659
−HK$1,289/mo
Today · 4.125%
HK$49,948
baseline
▲ 0.50% · 4.625%
HK$52,581
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,896/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,179 · Scale 2, in force from 26 Feb 2026)