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$23,582
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,316
−HK$745/mo
Today · 4.125%
HK$25,061
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,122/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,235
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$714/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,110
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,299
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,179
−HK$894/mo
Today · 4.125%
HK$30,073
baseline
▲ 0.50% · 4.625%
HK$31,903
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,146/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,482
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,326
−HK$857/mo
Today · 4.125%
HK$33,183
baseline
▲ 0.50% · 4.625%
HK$34,932
+HK$1,749/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,366/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,015
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,042
−HK$1,044/mo
Today · 4.125%
HK$35,086
baseline
▲ 0.50% · 4.625%
HK$37,220
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,172/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,729
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,714
−HK$1,000/mo
Today · 4.125%
HK$38,714
baseline
▲ 0.50% · 4.625%
HK$40,754
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,428/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,448
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,769
−HK$1,341/mo
Today · 4.125%
HK$45,110
baseline
▲ 0.50% · 4.625%
HK$47,855
+HK$2,745/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,220/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,223
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,490
−HK$1,285/mo
Today · 4.125%
HK$49,775
baseline
▲ 0.50% · 4.625%
HK$52,398
+HK$2,623/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,550/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,824 · Scale 2, in force from 26 Feb 2026)