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$23,675
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,411
−HK$748/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,690
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,338
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,044
−HK$717/mo
Today · 4.125%
HK$27,761
baseline
▲ 0.50% · 4.625%
HK$29,224
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,522/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,410
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,294
−HK$897/mo
Today · 4.125%
HK$30,191
baseline
▲ 0.50% · 4.625%
HK$32,028
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,382/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,606
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,453
−HK$860/mo
Today · 4.125%
HK$33,313
baseline
▲ 0.50% · 4.625%
HK$35,069
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,626/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,145
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,176
−HK$1,047/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,367
+HK$2,144/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,873
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,862
−HK$1,003/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$40,914
+HK$2,049/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,615
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,940
−HK$1,347/mo
Today · 4.125%
HK$45,287
baseline
▲ 0.50% · 4.625%
HK$48,043
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,574/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,408
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,680
−HK$1,290/mo
Today · 4.125%
HK$49,970
baseline
▲ 0.50% · 4.625%
HK$52,604
+HK$2,634/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,940/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,346 · Scale 2, in force from 26 Feb 2026)