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$23,550
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,283
−HK$744/mo
Today · 4.125%
HK$25,027
baseline
▲ 0.50% · 4.625%
HK$26,550
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,054/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,199
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,902
−HK$713/mo
Today · 4.125%
HK$27,615
baseline
▲ 0.50% · 4.625%
HK$29,071
+HK$1,456/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,230/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,260
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,139
−HK$893/mo
Today · 4.125%
HK$30,032
baseline
▲ 0.50% · 4.625%
HK$31,860
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,064/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,439
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$856/mo
Today · 4.125%
HK$33,138
baseline
▲ 0.50% · 4.625%
HK$34,885
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,276/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,970
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,996
−HK$1,042/mo
Today · 4.125%
HK$35,038
baseline
▲ 0.50% · 4.625%
HK$37,170
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,076/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,679
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,663
−HK$998/mo
Today · 4.125%
HK$38,661
baseline
▲ 0.50% · 4.625%
HK$40,699
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,322/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,390
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,709
−HK$1,340/mo
Today · 4.125%
HK$45,049
baseline
▲ 0.50% · 4.625%
HK$47,790
+HK$2,741/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,098/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,159
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,424
−HK$1,283/mo
Today · 4.125%
HK$49,707
baseline
▲ 0.50% · 4.625%
HK$52,327
+HK$2,620/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,414/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,297 · Scale 2, in force from 26 Feb 2026)