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$23,545
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,277
−HK$744/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,544
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,193
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$713/mo
Today · 4.125%
HK$27,609
baseline
▲ 0.50% · 4.625%
HK$29,064
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,218/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,254
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,133
−HK$893/mo
Today · 4.125%
HK$30,026
baseline
▲ 0.50% · 4.625%
HK$31,853
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,052/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,432
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,275
−HK$855/mo
Today · 4.125%
HK$33,130
baseline
▲ 0.50% · 4.625%
HK$34,877
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,260/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,963
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,988
−HK$1,042/mo
Today · 4.125%
HK$35,030
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,060/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,671
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,654
−HK$998/mo
Today · 4.125%
HK$38,652
baseline
▲ 0.50% · 4.625%
HK$40,689
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,304/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,381
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,699
−HK$1,339/mo
Today · 4.125%
HK$45,038
baseline
▲ 0.50% · 4.625%
HK$47,779
+HK$2,741/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,076/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,148
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,413
−HK$1,282/mo
Today · 4.125%
HK$49,695
baseline
▲ 0.50% · 4.625%
HK$52,315
+HK$2,620/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,390/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,207 · Scale 2, in force from 26 Feb 2026)