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$23,628
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,363
−HK$747/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,286
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,991
−HK$715/mo
Today · 4.125%
HK$27,706
baseline
▲ 0.50% · 4.625%
HK$29,166
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,412/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,354
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,236
−HK$896/mo
Today · 4.125%
HK$30,132
baseline
▲ 0.50% · 4.625%
HK$31,965
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,264/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,543
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,389
−HK$858/mo
Today · 4.125%
HK$33,247
baseline
▲ 0.50% · 4.625%
HK$35,000
+HK$1,753/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,494/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,079
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,108
−HK$1,046/mo
Today · 4.125%
HK$35,154
baseline
▲ 0.50% · 4.625%
HK$37,293
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,308/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,800
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,787
−HK$1,001/mo
Today · 4.125%
HK$38,788
baseline
▲ 0.50% · 4.625%
HK$40,833
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,576/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,530
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,853
−HK$1,344/mo
Today · 4.125%
HK$45,197
baseline
▲ 0.50% · 4.625%
HK$47,948
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,394/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,315
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,584
−HK$1,287/mo
Today · 4.125%
HK$49,871
baseline
▲ 0.50% · 4.625%
HK$52,500
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,742/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,575 · Scale 2, in force from 26 Feb 2026)