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$23,662
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,398
−HK$748/mo
Today · 4.125%
HK$25,146
baseline
▲ 0.50% · 4.625%
HK$26,676
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,292/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,324
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,030
−HK$716/mo
Today · 4.125%
HK$27,746
baseline
▲ 0.50% · 4.625%
HK$29,208
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,492/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,394
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$897/mo
Today · 4.125%
HK$30,175
baseline
▲ 0.50% · 4.625%
HK$32,011
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,350/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,588
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,436
−HK$859/mo
Today · 4.125%
HK$33,295
baseline
▲ 0.50% · 4.625%
HK$35,050
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,590/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,127
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,157
−HK$1,047/mo
Today · 4.125%
HK$35,204
baseline
▲ 0.50% · 4.625%
HK$37,346
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,408/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,853
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,841
−HK$1,003/mo
Today · 4.125%
HK$38,844
baseline
▲ 0.50% · 4.625%
HK$40,892
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,688/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,591
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,916
−HK$1,346/mo
Today · 4.125%
HK$45,262
baseline
▲ 0.50% · 4.625%
HK$48,016
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,524/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,383
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,653
−HK$1,289/mo
Today · 4.125%
HK$49,942
baseline
▲ 0.50% · 4.625%
HK$52,575
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,884/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,133 · Scale 2, in force from 26 Feb 2026)