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$23,545
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$744/mo
Today · 4.125%
HK$25,022
baseline
▲ 0.50% · 4.625%
HK$26,544
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,044/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,194
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$713/mo
Today · 4.125%
HK$27,609
baseline
▲ 0.50% · 4.625%
HK$29,064
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,218/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,254
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,133
−HK$893/mo
Today · 4.125%
HK$30,026
baseline
▲ 0.50% · 4.625%
HK$31,853
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,052/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,432
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,275
−HK$856/mo
Today · 4.125%
HK$33,131
baseline
▲ 0.50% · 4.625%
HK$34,877
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,262/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,963
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,989
−HK$1,041/mo
Today · 4.125%
HK$35,030
baseline
▲ 0.50% · 4.625%
HK$37,162
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,060/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,671
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,655
−HK$997/mo
Today · 4.125%
HK$38,652
baseline
▲ 0.50% · 4.625%
HK$40,690
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,304/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,381
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,700
−HK$1,339/mo
Today · 4.125%
HK$45,039
baseline
▲ 0.50% · 4.625%
HK$47,779
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,078/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,149
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,413
−HK$1,283/mo
Today · 4.125%
HK$49,696
baseline
▲ 0.50% · 4.625%
HK$52,316
+HK$2,620/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,392/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,212 · Scale 2, in force from 26 Feb 2026)