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$23,686
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,423
−HK$749/mo
Today · 4.125%
HK$25,172
baseline
▲ 0.50% · 4.625%
HK$26,703
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,344/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,351
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,058
−HK$717/mo
Today · 4.125%
HK$27,775
baseline
▲ 0.50% · 4.625%
HK$29,239
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,550/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,424
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,308
−HK$898/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,838/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,621
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,469
−HK$861/mo
Today · 4.125%
HK$33,330
baseline
▲ 0.50% · 4.625%
HK$35,086
+HK$1,756/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,660/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,161
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,193
−HK$1,048/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,385
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,891
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,881
−HK$1,004/mo
Today · 4.125%
HK$38,885
baseline
▲ 0.50% · 4.625%
HK$40,934
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,770/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,636
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,962
−HK$1,347/mo
Today · 4.125%
HK$45,309
baseline
▲ 0.50% · 4.625%
HK$48,066
+HK$2,757/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,618/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,432
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,704
−HK$1,290/mo
Today · 4.125%
HK$49,994
baseline
▲ 0.50% · 4.625%
HK$52,630
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,988/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,537 · Scale 2, in force from 26 Feb 2026)