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$23,577
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,310
−HK$745/mo
Today · 4.125%
HK$25,055
baseline
▲ 0.50% · 4.625%
HK$26,580
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,110/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,229
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,932
−HK$714/mo
Today · 4.125%
HK$27,646
baseline
▲ 0.50% · 4.625%
HK$29,103
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,292/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$894/mo
Today · 4.125%
HK$30,066
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,132/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,475
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,319
−HK$856/mo
Today · 4.125%
HK$33,175
baseline
▲ 0.50% · 4.625%
HK$34,924
+HK$1,749/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,350/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,007
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,034
−HK$1,043/mo
Today · 4.125%
HK$35,077
baseline
▲ 0.50% · 4.625%
HK$37,212
+HK$2,135/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,154/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,720
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,705
−HK$999/mo
Today · 4.125%
HK$38,704
baseline
▲ 0.50% · 4.625%
HK$40,744
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,408/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,438
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,758
−HK$1,341/mo
Today · 4.125%
HK$45,099
baseline
▲ 0.50% · 4.625%
HK$47,844
+HK$2,745/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,198/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,212
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,478
−HK$1,285/mo
Today · 4.125%
HK$49,763
baseline
▲ 0.50% · 4.625%
HK$52,386
+HK$2,623/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,526/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,732 · Scale 2, in force from 26 Feb 2026)