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$23,618
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,353
−HK$746/mo
Today · 4.125%
HK$25,099
baseline
▲ 0.50% · 4.625%
HK$26,626
+HK$1,527/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,198/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,275
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,979
−HK$715/mo
Today · 4.125%
HK$27,694
baseline
▲ 0.50% · 4.625%
HK$29,154
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,388/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,342
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,223
−HK$896/mo
Today · 4.125%
HK$30,119
baseline
▲ 0.50% · 4.625%
HK$31,952
+HK$1,833/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,238/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,530
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,375
−HK$858/mo
Today · 4.125%
HK$33,233
baseline
▲ 0.50% · 4.625%
HK$34,985
+HK$1,752/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,466/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,065
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,094
−HK$1,045/mo
Today · 4.125%
HK$35,139
baseline
▲ 0.50% · 4.625%
HK$37,277
+HK$2,138/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,278/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,785
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,771
−HK$1,001/mo
Today · 4.125%
HK$38,772
baseline
▲ 0.50% · 4.625%
HK$40,816
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,544/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,512
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,835
−HK$1,343/mo
Today · 4.125%
HK$45,178
baseline
▲ 0.50% · 4.625%
HK$47,927
+HK$2,749/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$90,356/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,295
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,563
−HK$1,287/mo
Today · 4.125%
HK$49,850
baseline
▲ 0.50% · 4.625%
HK$52,477
+HK$2,627/mo
Deposit HK$1.04M · loan HK$9.32M · min. income ≈ HK$99,700/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,411 · Scale 2, in force from 26 Feb 2026)