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$23,617
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,351
−HK$747/mo
Today · 4.125%
HK$25,098
baseline
▲ 0.50% · 4.625%
HK$26,625
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,196/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,273
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,978
−HK$715/mo
Today · 4.125%
HK$27,693
baseline
▲ 0.50% · 4.625%
HK$29,152
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,386/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,340
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,221
−HK$896/mo
Today · 4.125%
HK$30,117
baseline
▲ 0.50% · 4.625%
HK$31,950
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,234/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,528
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,373
−HK$858/mo
Today · 4.125%
HK$33,231
baseline
▲ 0.50% · 4.625%
HK$34,983
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,462/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,092
−HK$1,045/mo
Today · 4.125%
HK$35,137
baseline
▲ 0.50% · 4.625%
HK$37,275
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,274/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,783
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,769
−HK$1,001/mo
Today · 4.125%
HK$38,770
baseline
▲ 0.50% · 4.625%
HK$40,813
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,540/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,510
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,832
−HK$1,344/mo
Today · 4.125%
HK$45,176
baseline
▲ 0.50% · 4.625%
HK$47,924
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,352/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,292
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,560
−HK$1,287/mo
Today · 4.125%
HK$49,847
baseline
▲ 0.50% · 4.625%
HK$52,474
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,694/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,388 · Scale 2, in force from 26 Feb 2026)