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$23,548
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,280
−HK$745/mo
Today · 4.125%
HK$25,025
baseline
▲ 0.50% · 4.625%
HK$26,547
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,050/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,197
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,899
−HK$713/mo
Today · 4.125%
HK$27,612
baseline
▲ 0.50% · 4.625%
HK$29,068
+HK$1,456/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,224/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,257
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,136
−HK$893/mo
Today · 4.125%
HK$30,029
baseline
▲ 0.50% · 4.625%
HK$31,857
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,058/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,436
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,279
−HK$856/mo
Today · 4.125%
HK$33,135
baseline
▲ 0.50% · 4.625%
HK$34,881
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,270/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,967
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,992
−HK$1,042/mo
Today · 4.125%
HK$35,034
baseline
▲ 0.50% · 4.625%
HK$37,166
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,068/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,675
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,659
−HK$998/mo
Today · 4.125%
HK$38,657
baseline
▲ 0.50% · 4.625%
HK$40,695
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,314/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,386
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,705
−HK$1,339/mo
Today · 4.125%
HK$45,044
baseline
▲ 0.50% · 4.625%
HK$47,785
+HK$2,741/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,088/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,154
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,419
−HK$1,283/mo
Today · 4.125%
HK$49,702
baseline
▲ 0.50% · 4.625%
HK$52,322
+HK$2,620/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,404/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,257 · Scale 2, in force from 26 Feb 2026)