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$23,592
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,325
−HK$746/mo
Today · 4.125%
HK$25,071
baseline
▲ 0.50% · 4.625%
HK$26,596
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,142/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,245
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,949
−HK$714/mo
Today · 4.125%
HK$27,663
baseline
▲ 0.50% · 4.625%
HK$29,122
+HK$1,459/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,326/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,310
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,190
−HK$895/mo
Today · 4.125%
HK$30,085
baseline
▲ 0.50% · 4.625%
HK$31,916
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,170/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,494
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,339
−HK$857/mo
Today · 4.125%
HK$33,196
baseline
▲ 0.50% · 4.625%
HK$34,946
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,392/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,028
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,056
−HK$1,043/mo
Today · 4.125%
HK$35,099
baseline
▲ 0.50% · 4.625%
HK$37,235
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,198/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,744
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,729
−HK$1,000/mo
Today · 4.125%
HK$38,729
baseline
▲ 0.50% · 4.625%
HK$40,770
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,458/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,465
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,786
−HK$1,342/mo
Today · 4.125%
HK$45,128
baseline
▲ 0.50% · 4.625%
HK$47,874
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,256/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,242
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,509
−HK$1,285/mo
Today · 4.125%
HK$49,794
baseline
▲ 0.50% · 4.625%
HK$52,419
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,588/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,976 · Scale 2, in force from 26 Feb 2026)