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$23,650
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$747/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,663
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,311
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,016
−HK$716/mo
Today · 4.125%
HK$27,732
baseline
▲ 0.50% · 4.625%
HK$29,194
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,464/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,380
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,263
−HK$897/mo
Today · 4.125%
HK$30,160
baseline
▲ 0.50% · 4.625%
HK$31,995
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,320/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,573
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,420
−HK$859/mo
Today · 4.125%
HK$33,279
baseline
▲ 0.50% · 4.625%
HK$35,033
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,558/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,110
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,140
−HK$1,047/mo
Today · 4.125%
HK$35,187
baseline
▲ 0.50% · 4.625%
HK$37,328
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,374/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,835
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,823
−HK$1,002/mo
Today · 4.125%
HK$38,825
baseline
▲ 0.50% · 4.625%
HK$40,871
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,650/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,570
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,895
−HK$1,345/mo
Today · 4.125%
HK$45,240
baseline
▲ 0.50% · 4.625%
HK$47,993
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,480/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,359
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,629
−HK$1,289/mo
Today · 4.125%
HK$49,918
baseline
▲ 0.50% · 4.625%
HK$52,549
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,836/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,941 · Scale 2, in force from 26 Feb 2026)