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$23,689
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,426
−HK$749/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,354
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$717/mo
Today · 4.125%
HK$27,778
baseline
▲ 0.50% · 4.625%
HK$29,242
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,556/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,427
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,311
−HK$899/mo
Today · 4.125%
HK$30,210
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,420/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,625
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,473
−HK$860/mo
Today · 4.125%
HK$33,333
baseline
▲ 0.50% · 4.625%
HK$35,090
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,666/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,165
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,197
−HK$1,048/mo
Today · 4.125%
HK$35,245
baseline
▲ 0.50% · 4.625%
HK$37,389
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,490/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,896
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,885
−HK$1,004/mo
Today · 4.125%
HK$38,889
baseline
▲ 0.50% · 4.625%
HK$40,939
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,778/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,641
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,967
−HK$1,348/mo
Today · 4.125%
HK$45,315
baseline
▲ 0.50% · 4.625%
HK$48,072
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,630/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,437
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,709
−HK$1,291/mo
Today · 4.125%
HK$50,000
baseline
▲ 0.50% · 4.625%
HK$52,636
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,000/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,582 · Scale 2, in force from 26 Feb 2026)