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$23,562
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,295
−HK$745/mo
Today · 4.125%
HK$25,040
baseline
▲ 0.50% · 4.625%
HK$26,563
+HK$1,523/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,080/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,213
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,916
−HK$713/mo
Today · 4.125%
HK$27,629
baseline
▲ 0.50% · 4.625%
HK$29,085
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,258/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,275
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,154
−HK$894/mo
Today · 4.125%
HK$30,048
baseline
▲ 0.50% · 4.625%
HK$31,876
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,096/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,455
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,299
−HK$856/mo
Today · 4.125%
HK$33,155
baseline
▲ 0.50% · 4.625%
HK$34,902
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,310/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,987
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,013
−HK$1,043/mo
Today · 4.125%
HK$35,056
baseline
▲ 0.50% · 4.625%
HK$37,189
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,112/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,698
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,682
−HK$998/mo
Today · 4.125%
HK$38,680
baseline
▲ 0.50% · 4.625%
HK$40,719
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,360/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,412
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,731
−HK$1,340/mo
Today · 4.125%
HK$45,071
baseline
▲ 0.50% · 4.625%
HK$47,814
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,142/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,183
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,448
−HK$1,284/mo
Today · 4.125%
HK$49,732
baseline
▲ 0.50% · 4.625%
HK$52,353
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,464/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,492 · Scale 2, in force from 26 Feb 2026)