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$23,608
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,342
−HK$746/mo
Today · 4.125%
HK$25,088
baseline
▲ 0.50% · 4.625%
HK$26,615
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,176/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,264
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,968
−HK$715/mo
Today · 4.125%
HK$27,683
baseline
▲ 0.50% · 4.625%
HK$29,142
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,366/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,211
−HK$895/mo
Today · 4.125%
HK$30,106
baseline
▲ 0.50% · 4.625%
HK$31,938
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,212/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,516
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,362
−HK$857/mo
Today · 4.125%
HK$33,219
baseline
▲ 0.50% · 4.625%
HK$34,970
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,438/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,051
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$1,045/mo
Today · 4.125%
HK$35,124
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,248/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,769
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,755
−HK$1,001/mo
Today · 4.125%
HK$38,756
baseline
▲ 0.50% · 4.625%
HK$40,799
+HK$2,043/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,512/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,494
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,816
−HK$1,343/mo
Today · 4.125%
HK$45,159
baseline
▲ 0.50% · 4.625%
HK$47,907
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,318/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,275
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,543
−HK$1,286/mo
Today · 4.125%
HK$49,829
baseline
▲ 0.50% · 4.625%
HK$52,455
+HK$2,626/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,658/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,247 · Scale 2, in force from 26 Feb 2026)