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$23,627
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,362
−HK$747/mo
Today · 4.125%
HK$25,109
baseline
▲ 0.50% · 4.625%
HK$26,636
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,218/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,285
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,990
−HK$715/mo
Today · 4.125%
HK$27,705
baseline
▲ 0.50% · 4.625%
HK$29,165
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,410/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,352
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,234
−HK$896/mo
Today · 4.125%
HK$30,130
baseline
▲ 0.50% · 4.625%
HK$31,964
+HK$1,834/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,260/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,542
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,388
−HK$858/mo
Today · 4.125%
HK$33,246
baseline
▲ 0.50% · 4.625%
HK$34,998
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,492/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,078
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,107
−HK$1,045/mo
Today · 4.125%
HK$35,152
baseline
▲ 0.50% · 4.625%
HK$37,291
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,304/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,799
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,786
−HK$1,001/mo
Today · 4.125%
HK$38,787
baseline
▲ 0.50% · 4.625%
HK$40,831
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,574/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,529
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,851
−HK$1,344/mo
Today · 4.125%
HK$45,195
baseline
▲ 0.50% · 4.625%
HK$47,945
+HK$2,750/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,390/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,313
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,581
−HK$1,288/mo
Today · 4.125%
HK$49,869
baseline
▲ 0.50% · 4.625%
HK$52,497
+HK$2,628/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,738/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,558 · Scale 2, in force from 26 Feb 2026)