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$23,635
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,370
−HK$747/mo
Today · 4.125%
HK$25,117
baseline
▲ 0.50% · 4.625%
HK$26,646
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,234/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,294
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$715/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,362
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,244
−HK$897/mo
Today · 4.125%
HK$30,141
baseline
▲ 0.50% · 4.625%
HK$31,975
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,282/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,553
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,399
−HK$858/mo
Today · 4.125%
HK$33,257
baseline
▲ 0.50% · 4.625%
HK$35,010
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,514/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,089
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,118
−HK$1,046/mo
Today · 4.125%
HK$35,164
baseline
▲ 0.50% · 4.625%
HK$37,304
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,328/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,811
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,799
−HK$1,001/mo
Today · 4.125%
HK$38,800
baseline
▲ 0.50% · 4.625%
HK$40,845
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,600/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,543
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,867
−HK$1,344/mo
Today · 4.125%
HK$45,211
baseline
▲ 0.50% · 4.625%
HK$47,962
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,422/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,329
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,598
−HK$1,288/mo
Today · 4.125%
HK$49,886
baseline
▲ 0.50% · 4.625%
HK$52,516
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,772/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,693 · Scale 2, in force from 26 Feb 2026)