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$23,665
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$748/mo
Today · 4.125%
HK$25,149
baseline
▲ 0.50% · 4.625%
HK$26,680
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,298/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,327
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$717/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,213
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,398
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,282
−HK$897/mo
Today · 4.125%
HK$30,179
baseline
▲ 0.50% · 4.625%
HK$32,015
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,358/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,593
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,440
−HK$860/mo
Today · 4.125%
HK$33,300
baseline
▲ 0.50% · 4.625%
HK$35,055
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,600/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,131
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,162
−HK$1,047/mo
Today · 4.125%
HK$35,209
baseline
▲ 0.50% · 4.625%
HK$37,351
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,418/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,858
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,847
−HK$1,003/mo
Today · 4.125%
HK$38,850
baseline
▲ 0.50% · 4.625%
HK$40,898
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,700/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,598
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,923
−HK$1,346/mo
Today · 4.125%
HK$45,269
baseline
▲ 0.50% · 4.625%
HK$48,023
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,538/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,389
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,660
−HK$1,290/mo
Today · 4.125%
HK$49,950
baseline
▲ 0.50% · 4.625%
HK$52,583
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,900/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,188 · Scale 2, in force from 26 Feb 2026)