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$23,665
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$748/mo
Today · 4.125%
HK$25,149
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,298/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,327
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$717/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,212
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,398
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,281
−HK$898/mo
Today · 4.125%
HK$30,179
baseline
▲ 0.50% · 4.625%
HK$32,015
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,358/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,593
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,440
−HK$860/mo
Today · 4.125%
HK$33,300
baseline
▲ 0.50% · 4.625%
HK$35,055
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,600/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,131
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,162
−HK$1,047/mo
Today · 4.125%
HK$35,209
baseline
▲ 0.50% · 4.625%
HK$37,351
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,418/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,858
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,847
−HK$1,002/mo
Today · 4.125%
HK$38,849
baseline
▲ 0.50% · 4.625%
HK$40,897
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,698/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,597
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,922
−HK$1,346/mo
Today · 4.125%
HK$45,268
baseline
▲ 0.50% · 4.625%
HK$48,023
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,536/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,389
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,660
−HK$1,289/mo
Today · 4.125%
HK$49,949
baseline
▲ 0.50% · 4.625%
HK$52,582
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,898/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,186 · Scale 2, in force from 26 Feb 2026)