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$23,549
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,281
−HK$745/mo
Today · 4.125%
HK$25,026
baseline
▲ 0.50% · 4.625%
HK$26,548
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,052/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,198
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,900
−HK$713/mo
Today · 4.125%
HK$27,613
baseline
▲ 0.50% · 4.625%
HK$29,069
+HK$1,456/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,226/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,259
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,138
−HK$893/mo
Today · 4.125%
HK$30,031
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,062/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,437
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,281
−HK$855/mo
Today · 4.125%
HK$33,136
baseline
▲ 0.50% · 4.625%
HK$34,882
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,272/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,968
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,994
−HK$1,042/mo
Today · 4.125%
HK$35,036
baseline
▲ 0.50% · 4.625%
HK$37,168
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,072/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,677
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$998/mo
Today · 4.125%
HK$38,659
baseline
▲ 0.50% · 4.625%
HK$40,696
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,318/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,388
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,706
−HK$1,340/mo
Today · 4.125%
HK$45,046
baseline
▲ 0.50% · 4.625%
HK$47,787
+HK$2,741/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,092/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,156
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,421
−HK$1,283/mo
Today · 4.125%
HK$49,704
baseline
▲ 0.50% · 4.625%
HK$52,324
+HK$2,620/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,408/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,273 · Scale 2, in force from 26 Feb 2026)