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$23,643
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,378
−HK$747/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,654
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,302
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$716/mo
Today · 4.125%
HK$27,723
baseline
▲ 0.50% · 4.625%
HK$29,184
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,446/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,371
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,254
−HK$896/mo
Today · 4.125%
HK$30,150
baseline
▲ 0.50% · 4.625%
HK$31,985
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,300/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,562
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,409
−HK$859/mo
Today · 4.125%
HK$33,268
baseline
▲ 0.50% · 4.625%
HK$35,021
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,536/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,100
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,129
−HK$1,046/mo
Today · 4.125%
HK$35,175
baseline
▲ 0.50% · 4.625%
HK$37,315
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,350/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,823
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,810
−HK$1,002/mo
Today · 4.125%
HK$38,812
baseline
▲ 0.50% · 4.625%
HK$40,858
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,624/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,557
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,880
−HK$1,345/mo
Today · 4.125%
HK$45,225
baseline
▲ 0.50% · 4.625%
HK$47,977
+HK$2,752/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,450/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,344
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,613
−HK$1,289/mo
Today · 4.125%
HK$49,902
baseline
▲ 0.50% · 4.625%
HK$52,532
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,804/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,814 · Scale 2, in force from 26 Feb 2026)