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$23,681
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,417
−HK$749/mo
Today · 4.125%
HK$25,166
baseline
▲ 0.50% · 4.625%
HK$26,697
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,332/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,344
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,051
−HK$717/mo
Today · 4.125%
HK$27,768
baseline
▲ 0.50% · 4.625%
HK$29,231
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,536/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,417
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,301
−HK$898/mo
Today · 4.125%
HK$30,199
baseline
▲ 0.50% · 4.625%
HK$32,036
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,398/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,613
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,461
−HK$860/mo
Today · 4.125%
HK$33,321
baseline
▲ 0.50% · 4.625%
HK$35,078
+HK$1,757/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,642/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,153
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,184
−HK$1,048/mo
Today · 4.125%
HK$35,232
baseline
▲ 0.50% · 4.625%
HK$37,376
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,464/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,882
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,871
−HK$1,004/mo
Today · 4.125%
HK$38,875
baseline
▲ 0.50% · 4.625%
HK$40,924
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,750/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,625
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,951
−HK$1,347/mo
Today · 4.125%
HK$45,298
baseline
▲ 0.50% · 4.625%
HK$48,054
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,596/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,420
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,692
−HK$1,290/mo
Today · 4.125%
HK$49,982
baseline
▲ 0.50% · 4.625%
HK$52,617
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,964/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,441 · Scale 2, in force from 26 Feb 2026)