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$23,543
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,275
−HK$744/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,541
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,191
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,893
−HK$713/mo
Today · 4.125%
HK$27,606
baseline
▲ 0.50% · 4.625%
HK$29,061
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,212/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,251
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,130
−HK$893/mo
Today · 4.125%
HK$30,023
baseline
▲ 0.50% · 4.625%
HK$31,849
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,046/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,429
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,272
−HK$855/mo
Today · 4.125%
HK$33,127
baseline
▲ 0.50% · 4.625%
HK$34,873
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,254/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,960
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,985
−HK$1,041/mo
Today · 4.125%
HK$35,026
baseline
▲ 0.50% · 4.625%
HK$37,158
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,052/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,667
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,651
−HK$997/mo
Today · 4.125%
HK$38,648
baseline
▲ 0.50% · 4.625%
HK$40,685
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,296/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,377
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,695
−HK$1,339/mo
Today · 4.125%
HK$45,034
baseline
▲ 0.50% · 4.625%
HK$47,774
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,068/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,143
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,408
−HK$1,283/mo
Today · 4.125%
HK$49,691
baseline
▲ 0.50% · 4.625%
HK$52,310
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,382/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,170 · Scale 2, in force from 26 Feb 2026)