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$23,538
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$744/mo
Today · 4.125%
HK$25,014
baseline
▲ 0.50% · 4.625%
HK$26,536
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,028/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,185
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,888
−HK$712/mo
Today · 4.125%
HK$27,600
baseline
▲ 0.50% · 4.625%
HK$29,055
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,200/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,245
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,124
−HK$892/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,843
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,422
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,265
−HK$855/mo
Today · 4.125%
HK$33,120
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,240/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,953
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,978
−HK$1,041/mo
Today · 4.125%
HK$35,019
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,038/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,659
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,643
−HK$997/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,677
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,368
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,686
−HK$1,338/mo
Today · 4.125%
HK$45,024
baseline
▲ 0.50% · 4.625%
HK$47,764
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,048/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,134
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,398
−HK$1,282/mo
Today · 4.125%
HK$49,680
baseline
▲ 0.50% · 4.625%
HK$52,299
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,360/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,088 · Scale 2, in force from 26 Feb 2026)