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$23,690
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$749/mo
Today · 4.125%
HK$25,176
baseline
▲ 0.50% · 4.625%
HK$26,708
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,352/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,355
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,062
−HK$717/mo
Today · 4.125%
HK$27,779
baseline
▲ 0.50% · 4.625%
HK$29,243
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,558/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,428
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,313
−HK$898/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$32,049
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,626
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,474
−HK$861/mo
Today · 4.125%
HK$33,335
baseline
▲ 0.50% · 4.625%
HK$35,092
+HK$1,757/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,670/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,166
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$1,048/mo
Today · 4.125%
HK$35,246
baseline
▲ 0.50% · 4.625%
HK$37,391
+HK$2,145/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,492/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,897
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,004/mo
Today · 4.125%
HK$38,891
baseline
▲ 0.50% · 4.625%
HK$40,941
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,782/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,643
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,969
−HK$1,348/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$48,074
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,439
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,712
−HK$1,290/mo
Today · 4.125%
HK$50,002
baseline
▲ 0.50% · 4.625%
HK$52,638
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,004/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,600 · Scale 2, in force from 26 Feb 2026)