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$23,674
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,410
−HK$749/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,689
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,337
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,044
−HK$716/mo
Today · 4.125%
HK$27,760
baseline
▲ 0.50% · 4.625%
HK$29,223
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,520/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,409
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,293
−HK$897/mo
Today · 4.125%
HK$30,190
baseline
▲ 0.50% · 4.625%
HK$32,027
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,380/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,605
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,452
−HK$860/mo
Today · 4.125%
HK$33,312
baseline
▲ 0.50% · 4.625%
HK$35,068
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,624/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,144
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,175
−HK$1,047/mo
Today · 4.125%
HK$35,222
baseline
▲ 0.50% · 4.625%
HK$37,365
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,444/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,872
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,861
−HK$1,003/mo
Today · 4.125%
HK$38,864
baseline
▲ 0.50% · 4.625%
HK$40,913
+HK$2,049/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,728/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,613
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,939
−HK$1,347/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$48,041
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,407
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,678
−HK$1,290/mo
Today · 4.125%
HK$49,968
baseline
▲ 0.50% · 4.625%
HK$52,602
+HK$2,634/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,936/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,333 · Scale 2, in force from 26 Feb 2026)