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$23,606
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$746/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,613
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,262
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$714/mo
Today · 4.125%
HK$27,680
baseline
▲ 0.50% · 4.625%
HK$29,140
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,360/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,327
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,209
−HK$895/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,936
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,514
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,359
−HK$858/mo
Today · 4.125%
HK$33,217
baseline
▲ 0.50% · 4.625%
HK$34,967
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,434/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,049
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,077
−HK$1,044/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$37,258
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,766
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,001/mo
Today · 4.125%
HK$38,753
baseline
▲ 0.50% · 4.625%
HK$40,795
+HK$2,042/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,506/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,491
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,813
−HK$1,343/mo
Today · 4.125%
HK$45,156
baseline
▲ 0.50% · 4.625%
HK$47,903
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,312/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,271
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,539
−HK$1,286/mo
Today · 4.125%
HK$49,825
baseline
▲ 0.50% · 4.625%
HK$52,451
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,650/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,216 · Scale 2, in force from 26 Feb 2026)