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$23,634
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,369
−HK$747/mo
Today · 4.125%
HK$25,116
baseline
▲ 0.50% · 4.625%
HK$26,644
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,232/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,292
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,997
−HK$716/mo
Today · 4.125%
HK$27,713
baseline
▲ 0.50% · 4.625%
HK$29,174
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,426/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,360
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,243
−HK$896/mo
Today · 4.125%
HK$30,139
baseline
▲ 0.50% · 4.625%
HK$31,973
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,278/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,551
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,397
−HK$858/mo
Today · 4.125%
HK$33,255
baseline
▲ 0.50% · 4.625%
HK$35,008
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,510/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,087
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,116
−HK$1,046/mo
Today · 4.125%
HK$35,162
baseline
▲ 0.50% · 4.625%
HK$37,302
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,324/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,809
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,796
−HK$1,002/mo
Today · 4.125%
HK$38,798
baseline
▲ 0.50% · 4.625%
HK$40,843
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,596/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,541
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,864
−HK$1,344/mo
Today · 4.125%
HK$45,208
baseline
▲ 0.50% · 4.625%
HK$47,959
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,416/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,326
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,595
−HK$1,288/mo
Today · 4.125%
HK$49,883
baseline
▲ 0.50% · 4.625%
HK$52,512
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,766/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,669 · Scale 2, in force from 26 Feb 2026)