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$26,601
+HK$1,526/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$388,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,249
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,953
−HK$715/mo
Today · 4.125%
HK$27,668
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,336/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,314
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$895/mo
Today · 4.125%
HK$30,090
baseline
▲ 0.50% · 4.625%
HK$31,921
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,180/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,035 · 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$388,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,061
−HK$1,044/mo
Today · 4.125%
HK$35,105
baseline
▲ 0.50% · 4.625%
HK$37,241
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,210/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,749
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,735
−HK$1,000/mo
Today · 4.125%
HK$38,735
baseline
▲ 0.50% · 4.625%
HK$40,776
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,470/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,471
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,792
−HK$1,343/mo
Today · 4.125%
HK$45,135
baseline
▲ 0.50% · 4.625%
HK$47,881
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,270/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,249
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,516
−HK$1,286/mo
Today · 4.125%
HK$49,802
baseline
▲ 0.50% · 4.625%
HK$52,427
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,604/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,035 · Scale 2, in force from 26 Feb 2026)