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$23,599
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,333
−HK$746/mo
Today · 4.125%
HK$25,079
baseline
▲ 0.50% · 4.625%
HK$26,605
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,158/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,254
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,958
−HK$714/mo
Today · 4.125%
HK$27,672
baseline
▲ 0.50% · 4.625%
HK$29,131
+HK$1,459/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,344/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,319
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$895/mo
Today · 4.125%
HK$30,095
baseline
▲ 0.50% · 4.625%
HK$31,926
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,190/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,505
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,350
−HK$857/mo
Today · 4.125%
HK$33,207
baseline
▲ 0.50% · 4.625%
HK$34,957
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,414/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,039
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,067
−HK$1,044/mo
Today · 4.125%
HK$35,111
baseline
▲ 0.50% · 4.625%
HK$37,247
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,222/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,755
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,741
−HK$1,000/mo
Today · 4.125%
HK$38,741
baseline
▲ 0.50% · 4.625%
HK$40,783
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,482/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,478
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,800
−HK$1,342/mo
Today · 4.125%
HK$45,142
baseline
▲ 0.50% · 4.625%
HK$47,889
+HK$2,747/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,284/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,257
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,524
−HK$1,286/mo
Today · 4.125%
HK$49,810
baseline
▲ 0.50% · 4.625%
HK$52,436
+HK$2,626/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,620/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,101 · Scale 2, in force from 26 Feb 2026)