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$23,664
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,400
−HK$748/mo
Today · 4.125%
HK$25,148
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,296/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,326
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,032
−HK$717/mo
Today · 4.125%
HK$27,749
baseline
▲ 0.50% · 4.625%
HK$29,211
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,498/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,397
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,281
−HK$897/mo
Today · 4.125%
HK$30,178
baseline
▲ 0.50% · 4.625%
HK$32,014
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,356/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,592
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,439
−HK$859/mo
Today · 4.125%
HK$33,298
baseline
▲ 0.50% · 4.625%
HK$35,054
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,596/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,130
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,161
−HK$1,047/mo
Today · 4.125%
HK$35,208
baseline
▲ 0.50% · 4.625%
HK$37,350
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,416/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,857
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,845
−HK$1,003/mo
Today · 4.125%
HK$38,848
baseline
▲ 0.50% · 4.625%
HK$40,896
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,696/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,596
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,921
−HK$1,346/mo
Today · 4.125%
HK$45,267
baseline
▲ 0.50% · 4.625%
HK$48,021
+HK$2,754/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,534/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,388
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,658
−HK$1,290/mo
Today · 4.125%
HK$49,948
baseline
▲ 0.50% · 4.625%
HK$52,581
+HK$2,633/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,896/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,174 · Scale 2, in force from 26 Feb 2026)