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$23,530
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,262
−HK$743/mo
Today · 4.125%
HK$25,005
baseline
▲ 0.50% · 4.625%
HK$26,527
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,010/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,177
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,879
−HK$712/mo
Today · 4.125%
HK$27,591
baseline
▲ 0.50% · 4.625%
HK$29,045
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,182/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,236
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,114
−HK$892/mo
Today · 4.125%
HK$30,006
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,012/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,412
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$855/mo
Today · 4.125%
HK$33,109
baseline
▲ 0.50% · 4.625%
HK$34,854
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,218/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,942
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,966
−HK$1,042/mo
Today · 4.125%
HK$35,008
baseline
▲ 0.50% · 4.625%
HK$37,138
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,016/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,647
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,630
−HK$997/mo
Today · 4.125%
HK$38,627
baseline
▲ 0.50% · 4.625%
HK$40,663
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,254/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,354
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,671
−HK$1,339/mo
Today · 4.125%
HK$45,010
baseline
▲ 0.50% · 4.625%
HK$47,748
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,020/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,118
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,382
−HK$1,282/mo
Today · 4.125%
HK$49,664
baseline
▲ 0.50% · 4.625%
HK$52,282
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,328/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,961 · Scale 2, in force from 26 Feb 2026)