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$23,677
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,414
−HK$748/mo
Today · 4.125%
HK$25,162
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,324/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,341
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,047
−HK$717/mo
Today · 4.125%
HK$27,764
baseline
▲ 0.50% · 4.625%
HK$29,227
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,528/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,413
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,296
−HK$898/mo
Today · 4.125%
HK$30,194
baseline
▲ 0.50% · 4.625%
HK$32,032
+HK$1,838/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,388/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,609
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,457
−HK$859/mo
Today · 4.125%
HK$33,316
baseline
▲ 0.50% · 4.625%
HK$35,073
+HK$1,757/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,632/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,148
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,179
−HK$1,048/mo
Today · 4.125%
HK$35,227
baseline
▲ 0.50% · 4.625%
HK$37,370
+HK$2,143/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,454/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,877
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,866
−HK$1,003/mo
Today · 4.125%
HK$38,869
baseline
▲ 0.50% · 4.625%
HK$40,918
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,738/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,619
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,945
−HK$1,347/mo
Today · 4.125%
HK$45,292
baseline
▲ 0.50% · 4.625%
HK$48,047
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,584/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,413
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,685
−HK$1,290/mo
Today · 4.125%
HK$49,975
baseline
▲ 0.50% · 4.625%
HK$52,609
+HK$2,634/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,950/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,384 · Scale 2, in force from 26 Feb 2026)