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$23,667
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,404
−HK$748/mo
Today · 4.125%
HK$25,152
baseline
▲ 0.50% · 4.625%
HK$26,682
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,304/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,330
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,036
−HK$716/mo
Today · 4.125%
HK$27,752
baseline
▲ 0.50% · 4.625%
HK$29,215
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,504/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,401
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,284
−HK$898/mo
Today · 4.125%
HK$30,182
baseline
▲ 0.50% · 4.625%
HK$32,018
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,364/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,596
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,443
−HK$860/mo
Today · 4.125%
HK$33,303
baseline
▲ 0.50% · 4.625%
HK$35,058
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,606/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,134
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,165
−HK$1,047/mo
Today · 4.125%
HK$35,212
baseline
▲ 0.50% · 4.625%
HK$37,355
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,424/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,862
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,850
−HK$1,003/mo
Today · 4.125%
HK$38,853
baseline
▲ 0.50% · 4.625%
HK$40,901
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,706/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,601
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,926
−HK$1,347/mo
Today · 4.125%
HK$45,273
baseline
▲ 0.50% · 4.625%
HK$48,027
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,546/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,393
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,665
−HK$1,289/mo
Today · 4.125%
HK$49,954
baseline
▲ 0.50% · 4.625%
HK$52,587
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,908/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,223 · Scale 2, in force from 26 Feb 2026)