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$23,626
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,361
−HK$746/mo
Today · 4.125%
HK$25,107
baseline
▲ 0.50% · 4.625%
HK$26,635
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,214/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,283
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,988
−HK$715/mo
Today · 4.125%
HK$27,703
baseline
▲ 0.50% · 4.625%
HK$29,164
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,406/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,351
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,233
−HK$896/mo
Today · 4.125%
HK$30,129
baseline
▲ 0.50% · 4.625%
HK$31,962
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,258/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,540
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,386
−HK$858/mo
Today · 4.125%
HK$33,244
baseline
▲ 0.50% · 4.625%
HK$34,996
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,488/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,076
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,105
−HK$1,045/mo
Today · 4.125%
HK$35,150
baseline
▲ 0.50% · 4.625%
HK$37,289
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,300/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,797
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,784
−HK$1,001/mo
Today · 4.125%
HK$38,785
baseline
▲ 0.50% · 4.625%
HK$40,829
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,570/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,526
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,849
−HK$1,344/mo
Today · 4.125%
HK$45,193
baseline
▲ 0.50% · 4.625%
HK$47,943
+HK$2,750/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,386/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,310
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,579
−HK$1,287/mo
Today · 4.125%
HK$49,866
baseline
▲ 0.50% · 4.625%
HK$52,494
+HK$2,628/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,732/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,537 · Scale 2, in force from 26 Feb 2026)