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$23,572
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,305
−HK$745/mo
Today · 4.125%
HK$25,050
baseline
▲ 0.50% · 4.625%
HK$26,575
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,100/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,224
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,927
−HK$714/mo
Today · 4.125%
HK$27,641
baseline
▲ 0.50% · 4.625%
HK$29,098
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,282/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,287
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,167
−HK$893/mo
Today · 4.125%
HK$30,060
baseline
▲ 0.50% · 4.625%
HK$31,890
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,120/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,469
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,313
−HK$856/mo
Today · 4.125%
HK$33,169
baseline
▲ 0.50% · 4.625%
HK$34,917
+HK$1,748/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,338/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,001
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,028
−HK$1,043/mo
Today · 4.125%
HK$35,071
baseline
▲ 0.50% · 4.625%
HK$37,205
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,142/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,713
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,698
−HK$999/mo
Today · 4.125%
HK$38,697
baseline
▲ 0.50% · 4.625%
HK$40,737
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,394/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,430
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,750
−HK$1,341/mo
Today · 4.125%
HK$45,091
baseline
▲ 0.50% · 4.625%
HK$47,834
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,182/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,203
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,469
−HK$1,284/mo
Today · 4.125%
HK$49,753
baseline
▲ 0.50% · 4.625%
HK$52,376
+HK$2,623/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,506/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,658 · Scale 2, in force from 26 Feb 2026)