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$23,645
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,381
−HK$747/mo
Today · 4.125%
HK$25,128
baseline
▲ 0.50% · 4.625%
HK$26,657
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,256/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,305
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,011
−HK$715/mo
Today · 4.125%
HK$27,726
baseline
▲ 0.50% · 4.625%
HK$29,188
+HK$1,462/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,452/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,374
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,257
−HK$897/mo
Today · 4.125%
HK$30,154
baseline
▲ 0.50% · 4.625%
HK$31,988
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,308/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,566
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,413
−HK$859/mo
Today · 4.125%
HK$33,272
baseline
▲ 0.50% · 4.625%
HK$35,025
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,544/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,103
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,133
−HK$1,046/mo
Today · 4.125%
HK$35,179
baseline
▲ 0.50% · 4.625%
HK$37,320
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,358/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,827
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,815
−HK$1,002/mo
Today · 4.125%
HK$38,817
baseline
▲ 0.50% · 4.625%
HK$40,863
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,634/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,561
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,885
−HK$1,345/mo
Today · 4.125%
HK$45,230
baseline
▲ 0.50% · 4.625%
HK$47,983
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,460/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,349
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,619
−HK$1,288/mo
Today · 4.125%
HK$49,907
baseline
▲ 0.50% · 4.625%
HK$52,538
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,814/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,859 · Scale 2, in force from 26 Feb 2026)