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$23,531
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$744/mo
Today · 4.125%
HK$25,007
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,014/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,880
−HK$713/mo
Today · 4.125%
HK$27,593
baseline
▲ 0.50% · 4.625%
HK$29,047
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,186/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,237
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,116
−HK$892/mo
Today · 4.125%
HK$30,008
baseline
▲ 0.50% · 4.625%
HK$31,834
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,016/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,414
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,256
−HK$855/mo
Today · 4.125%
HK$33,111
baseline
▲ 0.50% · 4.625%
HK$34,856
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,222/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,944
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$1,042/mo
Today · 4.125%
HK$35,010
baseline
▲ 0.50% · 4.625%
HK$37,140
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,020/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,649
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,632
−HK$998/mo
Today · 4.125%
HK$38,630
baseline
▲ 0.50% · 4.625%
HK$40,666
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,260/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,356
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,674
−HK$1,338/mo
Today · 4.125%
HK$45,012
baseline
▲ 0.50% · 4.625%
HK$47,751
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,024/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,121
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,385
−HK$1,282/mo
Today · 4.125%
HK$49,667
baseline
▲ 0.50% · 4.625%
HK$52,285
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,334/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,983 · Scale 2, in force from 26 Feb 2026)