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$23,631
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,366
−HK$747/mo
Today · 4.125%
HK$25,113
baseline
▲ 0.50% · 4.625%
HK$26,641
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,226/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,289
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$716/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,170
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,357
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,239
−HK$896/mo
Today · 4.125%
HK$30,135
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,270/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,547
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,393
−HK$859/mo
Today · 4.125%
HK$33,252
baseline
▲ 0.50% · 4.625%
HK$35,004
+HK$1,752/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,504/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,083
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,113
−HK$1,045/mo
Today · 4.125%
HK$35,158
baseline
▲ 0.50% · 4.625%
HK$37,297
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,316/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,805
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,792
−HK$1,001/mo
Today · 4.125%
HK$38,793
baseline
▲ 0.50% · 4.625%
HK$40,838
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,586/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,536
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,859
−HK$1,344/mo
Today · 4.125%
HK$45,203
baseline
▲ 0.50% · 4.625%
HK$47,954
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,406/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,321
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,590
−HK$1,287/mo
Today · 4.125%
HK$49,877
baseline
▲ 0.50% · 4.625%
HK$52,506
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,754/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,625 · Scale 2, in force from 26 Feb 2026)