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$23,691
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,428
−HK$748/mo
Today · 4.125%
HK$25,176
baseline
▲ 0.50% · 4.625%
HK$26,708
+HK$1,532/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,352/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,356
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,062
−HK$717/mo
Today · 4.125%
HK$27,779
baseline
▲ 0.50% · 4.625%
HK$29,244
+HK$1,465/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,558/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,429
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,313
−HK$898/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$32,050
+HK$1,839/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,627
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,475
−HK$860/mo
Today · 4.125%
HK$33,335
baseline
▲ 0.50% · 4.625%
HK$35,093
+HK$1,758/mo
Deposit HK$4.16M · loan HK$6.23M · min. income ≈ HK$66,670/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$389,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,167
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,199
−HK$1,048/mo
Today · 4.125%
HK$35,247
baseline
▲ 0.50% · 4.625%
HK$37,391
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,494/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,898
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,004/mo
Today · 4.125%
HK$38,891
baseline
▲ 0.50% · 4.625%
HK$40,941
+HK$2,050/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,782/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,643
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,970
−HK$1,347/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$48,075
+HK$2,758/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,440
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,712
−HK$1,291/mo
Today · 4.125%
HK$50,003
baseline
▲ 0.50% · 4.625%
HK$52,639
+HK$2,636/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$100,006/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,605 · Scale 2, in force from 26 Feb 2026)