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$23,638
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,374
−HK$747/mo
Today · 4.125%
HK$25,121
baseline
▲ 0.50% · 4.625%
HK$26,649
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,242/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,297
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,003
−HK$715/mo
Today · 4.125%
HK$27,718
baseline
▲ 0.50% · 4.625%
HK$29,179
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,436/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,366
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,248
−HK$897/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,979
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,557
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,403
−HK$859/mo
Today · 4.125%
HK$33,262
baseline
▲ 0.50% · 4.625%
HK$35,015
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,524/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,094
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,123
−HK$1,046/mo
Today · 4.125%
HK$35,169
baseline
▲ 0.50% · 4.625%
HK$37,309
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,338/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,816
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,804
−HK$1,001/mo
Today · 4.125%
HK$38,805
baseline
▲ 0.50% · 4.625%
HK$40,851
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,610/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,549
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,872
−HK$1,345/mo
Today · 4.125%
HK$45,217
baseline
▲ 0.50% · 4.625%
HK$47,968
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,434/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,335
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,605
−HK$1,287/mo
Today · 4.125%
HK$49,892
baseline
▲ 0.50% · 4.625%
HK$52,522
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,784/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,743 · Scale 2, in force from 26 Feb 2026)