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$23,607
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,342
−HK$746/mo
Today · 4.125%
HK$25,088
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,526/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,176/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,263
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$715/mo
Today · 4.125%
HK$27,682
baseline
▲ 0.50% · 4.625%
HK$29,141
+HK$1,459/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,364/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,329
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,210
−HK$895/mo
Today · 4.125%
HK$30,105
baseline
▲ 0.50% · 4.625%
HK$31,937
+HK$1,832/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,210/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,516
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,361
−HK$857/mo
Today · 4.125%
HK$33,218
baseline
▲ 0.50% · 4.625%
HK$34,969
+HK$1,751/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,436/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,050
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,078
−HK$1,045/mo
Today · 4.125%
HK$35,123
baseline
▲ 0.50% · 4.625%
HK$37,260
+HK$2,137/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,246/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,768
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,754
−HK$1,001/mo
Today · 4.125%
HK$38,755
baseline
▲ 0.50% · 4.625%
HK$40,797
+HK$2,042/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,510/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,493
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,815
−HK$1,343/mo
Today · 4.125%
HK$45,158
baseline
▲ 0.50% · 4.625%
HK$47,906
+HK$2,748/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,316/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,273
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,541
−HK$1,286/mo
Today · 4.125%
HK$49,827
baseline
▲ 0.50% · 4.625%
HK$52,454
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,654/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,236 · Scale 2, in force from 26 Feb 2026)