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$23,585
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,318
−HK$746/mo
Today · 4.125%
HK$25,064
baseline
▲ 0.50% · 4.625%
HK$26,589
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,128/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,238
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,942
−HK$713/mo
Today · 4.125%
HK$27,655
baseline
▲ 0.50% · 4.625%
HK$29,113
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,310/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,302
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,182
−HK$895/mo
Today · 4.125%
HK$30,077
baseline
▲ 0.50% · 4.625%
HK$31,907
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,154/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,485
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,330
−HK$857/mo
Today · 4.125%
HK$33,187
baseline
▲ 0.50% · 4.625%
HK$34,936
+HK$1,749/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,374/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,019
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,046
−HK$1,043/mo
Today · 4.125%
HK$35,089
baseline
▲ 0.50% · 4.625%
HK$37,224
+HK$2,135/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,178/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,733
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,718
−HK$1,000/mo
Today · 4.125%
HK$38,718
baseline
▲ 0.50% · 4.625%
HK$40,758
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,436/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,453
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,773
−HK$1,342/mo
Today · 4.125%
HK$45,115
baseline
▲ 0.50% · 4.625%
HK$47,860
+HK$2,745/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,230/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,228
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,495
−HK$1,285/mo
Today · 4.125%
HK$49,780
baseline
▲ 0.50% · 4.625%
HK$52,404
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,560/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,865 · Scale 2, in force from 26 Feb 2026)