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$23,557
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,290
−HK$744/mo
Today · 4.125%
HK$25,034
baseline
▲ 0.50% · 4.625%
HK$26,558
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,068/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,207
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,910
−HK$713/mo
Today · 4.125%
HK$27,623
baseline
▲ 0.50% · 4.625%
HK$29,079
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,246/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,268
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,148
−HK$893/mo
Today · 4.125%
HK$30,041
baseline
▲ 0.50% · 4.625%
HK$31,869
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,082/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,448
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,292
−HK$855/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$34,895
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,980
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,006
−HK$1,042/mo
Today · 4.125%
HK$35,048
baseline
▲ 0.50% · 4.625%
HK$37,181
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,096/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,690
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,674
−HK$998/mo
Today · 4.125%
HK$38,672
baseline
▲ 0.50% · 4.625%
HK$40,711
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,344/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,403
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,722
−HK$1,340/mo
Today · 4.125%
HK$45,062
baseline
▲ 0.50% · 4.625%
HK$47,804
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,124/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,173
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,438
−HK$1,283/mo
Today · 4.125%
HK$49,721
baseline
▲ 0.50% · 4.625%
HK$52,342
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,442/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,409 · Scale 2, in force from 26 Feb 2026)