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$23,556
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,288
−HK$745/mo
Today · 4.125%
HK$25,033
baseline
▲ 0.50% · 4.625%
HK$26,556
+HK$1,523/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,066/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,205
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,908
−HK$713/mo
Today · 4.125%
HK$27,621
baseline
▲ 0.50% · 4.625%
HK$29,077
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,242/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,267
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,146
−HK$893/mo
Today · 4.125%
HK$30,039
baseline
▲ 0.50% · 4.625%
HK$31,867
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,078/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,446
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,290
−HK$855/mo
Today · 4.125%
HK$33,145
baseline
▲ 0.50% · 4.625%
HK$34,893
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,290/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,978
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,004
−HK$1,042/mo
Today · 4.125%
HK$35,046
baseline
▲ 0.50% · 4.625%
HK$37,178
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,092/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,688
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,672
−HK$998/mo
Today · 4.125%
HK$38,670
baseline
▲ 0.50% · 4.625%
HK$40,708
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,340/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,400
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,719
−HK$1,340/mo
Today · 4.125%
HK$45,059
baseline
▲ 0.50% · 4.625%
HK$47,801
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,118/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,170
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,435
−HK$1,283/mo
Today · 4.125%
HK$49,718
baseline
▲ 0.50% · 4.625%
HK$52,339
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,436/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,385 · Scale 2, in force from 26 Feb 2026)