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$23,537
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$743/mo
Today · 4.125%
HK$25,013
baseline
▲ 0.50% · 4.625%
HK$26,535
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,026/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,185
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,887
−HK$713/mo
Today · 4.125%
HK$27,600
baseline
▲ 0.50% · 4.625%
HK$29,055
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,200/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,245
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,123
−HK$893/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,843
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,422
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,265
−HK$855/mo
Today · 4.125%
HK$33,120
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,240/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,952
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,977
−HK$1,042/mo
Today · 4.125%
HK$35,019
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,038/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,659
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$998/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,677
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,367
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,685
−HK$1,339/mo
Today · 4.125%
HK$45,024
baseline
▲ 0.50% · 4.625%
HK$47,764
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,048/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,133
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,397
−HK$1,283/mo
Today · 4.125%
HK$49,680
baseline
▲ 0.50% · 4.625%
HK$52,298
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,360/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,086 · Scale 2, in force from 26 Feb 2026)