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$23,614
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,348
−HK$746/mo
Today · 4.125%
HK$25,094
baseline
▲ 0.50% · 4.625%
HK$26,621
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,188/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,270
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$715/mo
Today · 4.125%
HK$27,689
baseline
▲ 0.50% · 4.625%
HK$29,149
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,378/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,336
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,218
−HK$895/mo
Today · 4.125%
HK$30,113
baseline
▲ 0.50% · 4.625%
HK$31,945
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,226/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,524
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,369
−HK$858/mo
Today · 4.125%
HK$33,227
baseline
▲ 0.50% · 4.625%
HK$34,978
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,454/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,059
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,087
−HK$1,045/mo
Today · 4.125%
HK$35,132
baseline
▲ 0.50% · 4.625%
HK$37,270
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,264/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,778
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,764
−HK$1,001/mo
Today · 4.125%
HK$38,765
baseline
▲ 0.50% · 4.625%
HK$40,808
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,530/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,504
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,826
−HK$1,344/mo
Today · 4.125%
HK$45,170
baseline
▲ 0.50% · 4.625%
HK$47,918
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,340/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,286
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,554
−HK$1,286/mo
Today · 4.125%
HK$49,840
baseline
▲ 0.50% · 4.625%
HK$52,467
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,680/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,337 · Scale 2, in force from 26 Feb 2026)