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$23,557
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,289
−HK$745/mo
Today · 4.125%
HK$25,034
baseline
▲ 0.50% · 4.625%
HK$26,557
+HK$1,523/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,068/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,206
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,909
−HK$713/mo
Today · 4.125%
HK$27,622
baseline
▲ 0.50% · 4.625%
HK$29,078
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,244/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,268
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,147
−HK$894/mo
Today · 4.125%
HK$30,041
baseline
▲ 0.50% · 4.625%
HK$31,868
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,082/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,448
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,291
−HK$856/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$34,894
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,979
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,005
−HK$1,042/mo
Today · 4.125%
HK$35,047
baseline
▲ 0.50% · 4.625%
HK$37,180
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,094/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,689
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,673
−HK$998/mo
Today · 4.125%
HK$38,671
baseline
▲ 0.50% · 4.625%
HK$40,710
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,342/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,402
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,721
−HK$1,340/mo
Today · 4.125%
HK$45,061
baseline
▲ 0.50% · 4.625%
HK$47,803
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,122/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,172
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,437
−HK$1,283/mo
Today · 4.125%
HK$49,720
baseline
▲ 0.50% · 4.625%
HK$52,341
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,440/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,401 · Scale 2, in force from 26 Feb 2026)