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$23,632
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$747/mo
Today · 4.125%
HK$25,114
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,228/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,290
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,995
−HK$716/mo
Today · 4.125%
HK$27,711
baseline
▲ 0.50% · 4.625%
HK$29,171
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,422/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,358
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,241
−HK$896/mo
Today · 4.125%
HK$30,137
baseline
▲ 0.50% · 4.625%
HK$31,970
+HK$1,833/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,274/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,548
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,395
−HK$858/mo
Today · 4.125%
HK$33,253
baseline
▲ 0.50% · 4.625%
HK$35,006
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,506/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,085
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,114
−HK$1,046/mo
Today · 4.125%
HK$35,160
baseline
▲ 0.50% · 4.625%
HK$37,299
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,320/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,807
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,794
−HK$1,001/mo
Today · 4.125%
HK$38,795
baseline
▲ 0.50% · 4.625%
HK$40,840
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,590/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,538
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,861
−HK$1,344/mo
Today · 4.125%
HK$45,205
baseline
▲ 0.50% · 4.625%
HK$47,956
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,410/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,323
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,592
−HK$1,287/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,509
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,641 · Scale 2, in force from 26 Feb 2026)