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$23,567
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,300
−HK$745/mo
Today · 4.125%
HK$25,045
baseline
▲ 0.50% · 4.625%
HK$26,569
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,090/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,218
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,921
−HK$714/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,091
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,281
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,160
−HK$894/mo
Today · 4.125%
HK$30,054
baseline
▲ 0.50% · 4.625%
HK$31,883
+HK$1,829/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,108/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,462
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,306
−HK$856/mo
Today · 4.125%
HK$33,162
baseline
▲ 0.50% · 4.625%
HK$34,910
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,324/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,994
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,020
−HK$1,043/mo
Today · 4.125%
HK$35,063
baseline
▲ 0.50% · 4.625%
HK$37,196
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,126/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,705
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$999/mo
Today · 4.125%
HK$38,689
baseline
▲ 0.50% · 4.625%
HK$40,728
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,378/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,421
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,740
−HK$1,341/mo
Today · 4.125%
HK$45,081
baseline
▲ 0.50% · 4.625%
HK$47,824
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,162/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,193
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,458
−HK$1,284/mo
Today · 4.125%
HK$49,742
baseline
▲ 0.50% · 4.625%
HK$52,364
+HK$2,622/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,484/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,574 · Scale 2, in force from 26 Feb 2026)