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$23,664
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,400
−HK$748/mo
Today · 4.125%
HK$25,148
baseline
▲ 0.50% · 4.625%
HK$26,678
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,296/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,326
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,032
−HK$716/mo
Today · 4.125%
HK$27,748
baseline
▲ 0.50% · 4.625%
HK$29,211
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,496/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,397
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,280
−HK$897/mo
Today · 4.125%
HK$30,177
baseline
▲ 0.50% · 4.625%
HK$32,013
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,354/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,591
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,438
−HK$860/mo
Today · 4.125%
HK$33,298
baseline
▲ 0.50% · 4.625%
HK$35,053
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,596/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,129
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,160
−HK$1,047/mo
Today · 4.125%
HK$35,207
baseline
▲ 0.50% · 4.625%
HK$37,349
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,414/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,856
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,844
−HK$1,003/mo
Today · 4.125%
HK$38,847
baseline
▲ 0.50% · 4.625%
HK$40,895
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,694/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,595
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,920
−HK$1,346/mo
Today · 4.125%
HK$45,266
baseline
▲ 0.50% · 4.625%
HK$48,020
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,532/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,386
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,657
−HK$1,289/mo
Today · 4.125%
HK$49,946
baseline
▲ 0.50% · 4.625%
HK$52,579
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,892/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,163 · Scale 2, in force from 26 Feb 2026)