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$23,563
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,296
−HK$745/mo
Today · 4.125%
HK$25,041
baseline
▲ 0.50% · 4.625%
HK$26,564
+HK$1,523/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,082/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,214
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,917
−HK$713/mo
Today · 4.125%
HK$27,630
baseline
▲ 0.50% · 4.625%
HK$29,086
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,260/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,276
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,155
−HK$894/mo
Today · 4.125%
HK$30,049
baseline
▲ 0.50% · 4.625%
HK$31,877
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,098/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,456
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,300
−HK$856/mo
Today · 4.125%
HK$33,156
baseline
▲ 0.50% · 4.625%
HK$34,903
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,312/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,988
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,014
−HK$1,043/mo
Today · 4.125%
HK$35,057
baseline
▲ 0.50% · 4.625%
HK$37,190
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,114/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,699
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,683
−HK$999/mo
Today · 4.125%
HK$38,682
baseline
▲ 0.50% · 4.625%
HK$40,721
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,364/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,413
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,733
−HK$1,340/mo
Today · 4.125%
HK$45,073
baseline
▲ 0.50% · 4.625%
HK$47,816
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,146/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,184
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,450
−HK$1,284/mo
Today · 4.125%
HK$49,734
baseline
▲ 0.50% · 4.625%
HK$52,355
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,468/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,505 · Scale 2, in force from 26 Feb 2026)