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$23,607
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,341
−HK$746/mo
Today · 4.125%
HK$25,087
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,174/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,262
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$714/mo
Today · 4.125%
HK$27,681
baseline
▲ 0.50% · 4.625%
HK$29,140
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,362/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,328
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,209
−HK$895/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,936
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,515
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,360
−HK$857/mo
Today · 4.125%
HK$33,217
baseline
▲ 0.50% · 4.625%
HK$34,968
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,434/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,049
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,077
−HK$1,045/mo
Today · 4.125%
HK$35,122
baseline
▲ 0.50% · 4.625%
HK$37,259
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,244/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,767
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,753
−HK$1,001/mo
Today · 4.125%
HK$38,754
baseline
▲ 0.50% · 4.625%
HK$40,796
+HK$2,042/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,508/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,492
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,814
−HK$1,343/mo
Today · 4.125%
HK$45,157
baseline
▲ 0.50% · 4.625%
HK$47,904
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,314/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,272
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,540
−HK$1,286/mo
Today · 4.125%
HK$49,826
baseline
▲ 0.50% · 4.625%
HK$52,452
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,652/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,225 · Scale 2, in force from 26 Feb 2026)