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$23,531
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$743/mo
Today · 4.125%
HK$25,006
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,012/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,880
−HK$712/mo
Today · 4.125%
HK$27,592
baseline
▲ 0.50% · 4.625%
HK$29,046
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,184/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,237
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,115
−HK$893/mo
Today · 4.125%
HK$30,008
baseline
▲ 0.50% · 4.625%
HK$31,833
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,016/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,413
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,256
−HK$854/mo
Today · 4.125%
HK$33,110
baseline
▲ 0.50% · 4.625%
HK$34,856
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,220/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,943
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$1,041/mo
Today · 4.125%
HK$35,009
baseline
▲ 0.50% · 4.625%
HK$37,139
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,018/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,649
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,632
−HK$997/mo
Today · 4.125%
HK$38,629
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,258/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,355
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,673
−HK$1,338/mo
Today · 4.125%
HK$45,011
baseline
▲ 0.50% · 4.625%
HK$47,750
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,022/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,120
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,384
−HK$1,282/mo
Today · 4.125%
HK$49,666
baseline
▲ 0.50% · 4.625%
HK$52,284
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,332/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,976 · Scale 2, in force from 26 Feb 2026)