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$23,633
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,368
−HK$747/mo
Today · 4.125%
HK$25,115
baseline
▲ 0.50% · 4.625%
HK$26,643
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,230/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,292
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,997
−HK$715/mo
Today · 4.125%
HK$27,712
baseline
▲ 0.50% · 4.625%
HK$29,173
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,424/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,360
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,242
−HK$896/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,972
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,550
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,396
−HK$859/mo
Today · 4.125%
HK$33,255
baseline
▲ 0.50% · 4.625%
HK$35,008
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,510/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,087
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,116
−HK$1,045/mo
Today · 4.125%
HK$35,161
baseline
▲ 0.50% · 4.625%
HK$37,301
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,322/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,808
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,796
−HK$1,001/mo
Today · 4.125%
HK$38,797
baseline
▲ 0.50% · 4.625%
HK$40,842
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,594/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,540
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,863
−HK$1,344/mo
Today · 4.125%
HK$45,207
baseline
▲ 0.50% · 4.625%
HK$47,958
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,414/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,325
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,594
−HK$1,288/mo
Today · 4.125%
HK$49,882
baseline
▲ 0.50% · 4.625%
HK$52,511
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,764/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,662 · Scale 2, in force from 26 Feb 2026)