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$23,630
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,365
−HK$746/mo
Today · 4.125%
HK$25,111
baseline
▲ 0.50% · 4.625%
HK$26,639
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,222/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,288
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,993
−HK$715/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,169
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,356
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,238
−HK$896/mo
Today · 4.125%
HK$30,134
baseline
▲ 0.50% · 4.625%
HK$31,967
+HK$1,833/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,268/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,545
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,391
−HK$859/mo
Today · 4.125%
HK$33,250
baseline
▲ 0.50% · 4.625%
HK$35,002
+HK$1,752/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,500/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,082
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,111
−HK$1,045/mo
Today · 4.125%
HK$35,156
baseline
▲ 0.50% · 4.625%
HK$37,295
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,312/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,803
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,790
−HK$1,001/mo
Today · 4.125%
HK$38,791
baseline
▲ 0.50% · 4.625%
HK$40,836
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,582/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,533
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,856
−HK$1,345/mo
Today · 4.125%
HK$45,201
baseline
▲ 0.50% · 4.625%
HK$47,951
+HK$2,750/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,402/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,318
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,587
−HK$1,287/mo
Today · 4.125%
HK$49,874
baseline
▲ 0.50% · 4.625%
HK$52,503
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,748/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,603 · Scale 2, in force from 26 Feb 2026)