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$23,602
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$746/mo
Today · 4.125%
HK$25,082
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,526/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,164/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,257
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,961
−HK$715/mo
Today · 4.125%
HK$27,676
baseline
▲ 0.50% · 4.625%
HK$29,135
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,352/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,323
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,204
−HK$895/mo
Today · 4.125%
HK$30,099
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,198/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,509
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,354
−HK$857/mo
Today · 4.125%
HK$33,211
baseline
▲ 0.50% · 4.625%
HK$34,962
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,422/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,043
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,071
−HK$1,044/mo
Today · 4.125%
HK$35,115
baseline
▲ 0.50% · 4.625%
HK$37,252
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,230/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,760
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,746
−HK$1,000/mo
Today · 4.125%
HK$38,746
baseline
▲ 0.50% · 4.625%
HK$40,788
+HK$2,042/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,492/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,484
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,805
−HK$1,343/mo
Today · 4.125%
HK$45,148
baseline
▲ 0.50% · 4.625%
HK$47,895
+HK$2,747/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,296/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,263
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,531
−HK$1,285/mo
Today · 4.125%
HK$49,816
baseline
▲ 0.50% · 4.625%
HK$52,442
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,632/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,151 · Scale 2, in force from 26 Feb 2026)