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$23,663
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,399
−HK$748/mo
Today · 4.125%
HK$25,147
baseline
▲ 0.50% · 4.625%
HK$26,677
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,294/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,324
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,030
−HK$717/mo
Today · 4.125%
HK$27,747
baseline
▲ 0.50% · 4.625%
HK$29,209
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,494/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$898/mo
Today · 4.125%
HK$30,176
baseline
▲ 0.50% · 4.625%
HK$32,012
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,352/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,589
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,437
−HK$859/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,051
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,128
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,158
−HK$1,047/mo
Today · 4.125%
HK$35,205
baseline
▲ 0.50% · 4.625%
HK$37,347
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,410/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,854
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,843
−HK$1,002/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$40,893
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,690/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,593
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,918
−HK$1,346/mo
Today · 4.125%
HK$45,264
baseline
▲ 0.50% · 4.625%
HK$48,018
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,528/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,384
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,655
−HK$1,289/mo
Today · 4.125%
HK$49,944
baseline
▲ 0.50% · 4.625%
HK$52,577
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,888/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,145 · Scale 2, in force from 26 Feb 2026)