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$23,595
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,329
−HK$746/mo
Today · 4.125%
HK$25,075
baseline
▲ 0.50% · 4.625%
HK$26,600
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,150/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,249
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,953
−HK$714/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,459/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,314
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$894/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,499
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,344
−HK$857/mo
Today · 4.125%
HK$33,201
baseline
▲ 0.50% · 4.625%
HK$34,951
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,402/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,060
−HK$1,044/mo
Today · 4.125%
HK$35,104
baseline
▲ 0.50% · 4.625%
HK$37,240
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,208/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,749
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,734
−HK$1,000/mo
Today · 4.125%
HK$38,734
baseline
▲ 0.50% · 4.625%
HK$40,776
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,468/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,471
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,792
−HK$1,342/mo
Today · 4.125%
HK$45,134
baseline
▲ 0.50% · 4.625%
HK$47,880
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,268/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,248
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,516
−HK$1,285/mo
Today · 4.125%
HK$49,801
baseline
▲ 0.50% · 4.625%
HK$52,426
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,602/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,031 · Scale 2, in force from 26 Feb 2026)