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$23,601
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,335
−HK$746/mo
Today · 4.125%
HK$25,081
baseline
▲ 0.50% · 4.625%
HK$26,607
+HK$1,526/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,162/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,256
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,960
−HK$714/mo
Today · 4.125%
HK$27,674
baseline
▲ 0.50% · 4.625%
HK$29,133
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,348/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,321
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,202
−HK$895/mo
Today · 4.125%
HK$30,097
baseline
▲ 0.50% · 4.625%
HK$31,928
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,194/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,507
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,352
−HK$857/mo
Today · 4.125%
HK$33,209
baseline
▲ 0.50% · 4.625%
HK$34,960
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,418/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,041
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,069
−HK$1,044/mo
Today · 4.125%
HK$35,113
baseline
▲ 0.50% · 4.625%
HK$37,250
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,226/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,758
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,744
−HK$1,000/mo
Today · 4.125%
HK$38,744
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,042/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,488/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,482
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,803
−HK$1,343/mo
Today · 4.125%
HK$45,146
baseline
▲ 0.50% · 4.625%
HK$47,893
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,292/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,260
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,528
−HK$1,286/mo
Today · 4.125%
HK$49,814
baseline
▲ 0.50% · 4.625%
HK$52,440
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,628/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,130 · Scale 2, in force from 26 Feb 2026)