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$23,640
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,376
−HK$747/mo
Today · 4.125%
HK$25,123
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,246/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,300
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,005
−HK$716/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,182
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,368
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,251
−HK$896/mo
Today · 4.125%
HK$30,147
baseline
▲ 0.50% · 4.625%
HK$31,982
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,294/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,560
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,406
−HK$859/mo
Today · 4.125%
HK$33,265
baseline
▲ 0.50% · 4.625%
HK$35,018
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,530/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,097
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,126
−HK$1,046/mo
Today · 4.125%
HK$35,172
baseline
▲ 0.50% · 4.625%
HK$37,312
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,344/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,820
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,807
−HK$1,002/mo
Today · 4.125%
HK$38,809
baseline
▲ 0.50% · 4.625%
HK$40,854
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,618/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,553
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,876
−HK$1,345/mo
Today · 4.125%
HK$45,221
baseline
▲ 0.50% · 4.625%
HK$47,973
+HK$2,752/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,442/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,339
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,609
−HK$1,288/mo
Today · 4.125%
HK$49,897
baseline
▲ 0.50% · 4.625%
HK$52,527
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,794/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,779 · Scale 2, in force from 26 Feb 2026)