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$23,553
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,286
−HK$744/mo
Today · 4.125%
HK$25,030
baseline
▲ 0.50% · 4.625%
HK$26,553
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,060/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,203
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$713/mo
Today · 4.125%
HK$27,619
baseline
▲ 0.50% · 4.625%
HK$29,074
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,238/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,264
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,143
−HK$893/mo
Today · 4.125%
HK$30,036
baseline
▲ 0.50% · 4.625%
HK$31,864
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,072/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,443
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$855/mo
Today · 4.125%
HK$33,142
baseline
▲ 0.50% · 4.625%
HK$34,889
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,284/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,975
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$1,043/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$37,175
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,684
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,668
−HK$998/mo
Today · 4.125%
HK$38,666
baseline
▲ 0.50% · 4.625%
HK$40,704
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,332/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,396
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,715
−HK$1,340/mo
Today · 4.125%
HK$45,055
baseline
▲ 0.50% · 4.625%
HK$47,796
+HK$2,741/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,110/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,165
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,430
−HK$1,283/mo
Today · 4.125%
HK$49,713
baseline
▲ 0.50% · 4.625%
HK$52,334
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,426/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,348 · Scale 2, in force from 26 Feb 2026)