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$23,621
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$747/mo
Today · 4.125%
HK$25,102
baseline
▲ 0.50% · 4.625%
HK$26,629
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,204/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,278
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,982
−HK$715/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,157
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,345
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$896/mo
Today · 4.125%
HK$30,122
baseline
▲ 0.50% · 4.625%
HK$31,955
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,244/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,533
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,379
−HK$858/mo
Today · 4.125%
HK$33,237
baseline
▲ 0.50% · 4.625%
HK$34,989
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,474/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,069
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,097
−HK$1,046/mo
Today · 4.125%
HK$35,143
baseline
▲ 0.50% · 4.625%
HK$37,281
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,286/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,789
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,775
−HK$1,001/mo
Today · 4.125%
HK$38,776
baseline
▲ 0.50% · 4.625%
HK$40,820
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,552/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,517
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,840
−HK$1,343/mo
Today · 4.125%
HK$45,183
baseline
▲ 0.50% · 4.625%
HK$47,933
+HK$2,750/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,366/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,300
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,568
−HK$1,287/mo
Today · 4.125%
HK$49,855
baseline
▲ 0.50% · 4.625%
HK$52,483
+HK$2,628/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,710/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,454 · Scale 2, in force from 26 Feb 2026)