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$23,560
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,293
−HK$744/mo
Today · 4.125%
HK$25,037
baseline
▲ 0.50% · 4.625%
HK$26,561
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,074/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,210
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,913
−HK$713/mo
Today · 4.125%
HK$27,626
baseline
▲ 0.50% · 4.625%
HK$29,082
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,252/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,272
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,151
−HK$894/mo
Today · 4.125%
HK$30,045
baseline
▲ 0.50% · 4.625%
HK$31,873
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,090/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,452
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,296
−HK$855/mo
Today · 4.125%
HK$33,151
baseline
▲ 0.50% · 4.625%
HK$34,899
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,302/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,984
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,010
−HK$1,042/mo
Today · 4.125%
HK$35,052
baseline
▲ 0.50% · 4.625%
HK$37,185
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,104/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,694
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,678
−HK$998/mo
Today · 4.125%
HK$38,676
baseline
▲ 0.50% · 4.625%
HK$40,715
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,352/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,408
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,727
−HK$1,340/mo
Today · 4.125%
HK$45,067
baseline
▲ 0.50% · 4.625%
HK$47,809
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,134/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,178
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,443
−HK$1,284/mo
Today · 4.125%
HK$49,727
baseline
▲ 0.50% · 4.625%
HK$52,348
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,454/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,453 · Scale 2, in force from 26 Feb 2026)