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$23,647
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$748/mo
Today · 4.125%
HK$25,130
baseline
▲ 0.50% · 4.625%
HK$26,659
+HK$1,529/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,260/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,307
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,012
−HK$716/mo
Today · 4.125%
HK$27,728
baseline
▲ 0.50% · 4.625%
HK$29,190
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,456/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,376
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,259
−HK$897/mo
Today · 4.125%
HK$30,156
baseline
▲ 0.50% · 4.625%
HK$31,990
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,312/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,568
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,415
−HK$859/mo
Today · 4.125%
HK$33,274
baseline
▲ 0.50% · 4.625%
HK$35,028
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,548/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,106
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,135
−HK$1,047/mo
Today · 4.125%
HK$35,182
baseline
▲ 0.50% · 4.625%
HK$37,322
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,364/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,830
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,817
−HK$1,002/mo
Today · 4.125%
HK$38,819
baseline
▲ 0.50% · 4.625%
HK$40,866
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,638/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,564
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,888
−HK$1,345/mo
Today · 4.125%
HK$45,233
baseline
▲ 0.50% · 4.625%
HK$47,986
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,466/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,352
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,622
−HK$1,289/mo
Today · 4.125%
HK$49,911
baseline
▲ 0.50% · 4.625%
HK$52,541
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,822/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,884 · Scale 2, in force from 26 Feb 2026)