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$23,565
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,298
−HK$745/mo
Today · 4.125%
HK$25,043
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,086/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,216
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$714/mo
Today · 4.125%
HK$27,633
baseline
▲ 0.50% · 4.625%
HK$29,089
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,266/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,278
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,158
−HK$894/mo
Today · 4.125%
HK$30,052
baseline
▲ 0.50% · 4.625%
HK$31,880
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,104/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,459
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,303
−HK$856/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$34,907
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,991
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,018
−HK$1,042/mo
Today · 4.125%
HK$35,060
baseline
▲ 0.50% · 4.625%
HK$37,194
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,120/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,703
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,687
−HK$999/mo
Today · 4.125%
HK$38,686
baseline
▲ 0.50% · 4.625%
HK$40,725
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,372/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,418
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,737
−HK$1,341/mo
Today · 4.125%
HK$45,078
baseline
▲ 0.50% · 4.625%
HK$47,820
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,156/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,189
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,455
−HK$1,284/mo
Today · 4.125%
HK$49,739
baseline
▲ 0.50% · 4.625%
HK$52,360
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,478/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,544 · Scale 2, in force from 26 Feb 2026)