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$23,558
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,291
−HK$744/mo
Today · 4.125%
HK$25,035
baseline
▲ 0.50% · 4.625%
HK$26,559
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,070/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,208
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,911
−HK$713/mo
Today · 4.125%
HK$27,624
baseline
▲ 0.50% · 4.625%
HK$29,080
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,248/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,270
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,149
−HK$894/mo
Today · 4.125%
HK$30,043
baseline
▲ 0.50% · 4.625%
HK$31,871
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,086/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,450
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,293
−HK$856/mo
Today · 4.125%
HK$33,149
baseline
▲ 0.50% · 4.625%
HK$34,896
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,298/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,981
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,007
−HK$1,043/mo
Today · 4.125%
HK$35,050
baseline
▲ 0.50% · 4.625%
HK$37,182
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,100/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,692
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,676
−HK$998/mo
Today · 4.125%
HK$38,674
baseline
▲ 0.50% · 4.625%
HK$40,712
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,348/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,405
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,724
−HK$1,340/mo
Today · 4.125%
HK$45,064
baseline
▲ 0.50% · 4.625%
HK$47,806
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,128/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,175
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,440
−HK$1,284/mo
Today · 4.125%
HK$49,724
baseline
▲ 0.50% · 4.625%
HK$52,345
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,448/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,427 · Scale 2, in force from 26 Feb 2026)