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$23,651
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,387
−HK$747/mo
Today · 4.125%
HK$25,134
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,268/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,312
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,017
−HK$716/mo
Today · 4.125%
HK$27,733
baseline
▲ 0.50% · 4.625%
HK$29,195
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,466/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,381
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,264
−HK$897/mo
Today · 4.125%
HK$30,161
baseline
▲ 0.50% · 4.625%
HK$31,996
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,322/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,574
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,421
−HK$859/mo
Today · 4.125%
HK$33,280
baseline
▲ 0.50% · 4.625%
HK$35,034
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,560/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,111
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,141
−HK$1,047/mo
Today · 4.125%
HK$35,188
baseline
▲ 0.50% · 4.625%
HK$37,329
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,376/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,836
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,824
−HK$1,002/mo
Today · 4.125%
HK$38,826
baseline
▲ 0.50% · 4.625%
HK$40,873
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,652/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,572
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,896
−HK$1,345/mo
Today · 4.125%
HK$45,241
baseline
▲ 0.50% · 4.625%
HK$47,994
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,482/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,361
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,631
−HK$1,288/mo
Today · 4.125%
HK$49,919
baseline
▲ 0.50% · 4.625%
HK$52,551
+HK$2,632/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,838/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,954 · Scale 2, in force from 26 Feb 2026)