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$23,594
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,328
−HK$746/mo
Today · 4.125%
HK$25,074
baseline
▲ 0.50% · 4.625%
HK$26,600
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,148/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,249
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,953
−HK$714/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,125
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,313
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,194
−HK$895/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,498
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,343
−HK$857/mo
Today · 4.125%
HK$33,200
baseline
▲ 0.50% · 4.625%
HK$34,950
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,400/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,032
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,060
−HK$1,044/mo
Today · 4.125%
HK$35,104
baseline
▲ 0.50% · 4.625%
HK$37,240
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,208/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,748
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,734
−HK$999/mo
Today · 4.125%
HK$38,733
baseline
▲ 0.50% · 4.625%
HK$40,775
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,466/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,470
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,791
−HK$1,342/mo
Today · 4.125%
HK$45,133
baseline
▲ 0.50% · 4.625%
HK$47,879
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,266/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,247
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,515
−HK$1,285/mo
Today · 4.125%
HK$49,800
baseline
▲ 0.50% · 4.625%
HK$52,425
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,600/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,023 · Scale 2, in force from 26 Feb 2026)