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$23,597
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,331
−HK$746/mo
Today · 4.125%
HK$25,077
baseline
▲ 0.50% · 4.625%
HK$26,603
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,154/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,252
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,956
−HK$714/mo
Today · 4.125%
HK$27,670
baseline
▲ 0.50% · 4.625%
HK$29,129
+HK$1,459/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,340/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,317
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,198
−HK$895/mo
Today · 4.125%
HK$30,093
baseline
▲ 0.50% · 4.625%
HK$31,924
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,186/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,502
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,347
−HK$857/mo
Today · 4.125%
HK$33,204
baseline
▲ 0.50% · 4.625%
HK$34,954
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,408/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,036
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$1,044/mo
Today · 4.125%
HK$35,108
baseline
▲ 0.50% · 4.625%
HK$37,244
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,216/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,753
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,738
−HK$1,000/mo
Today · 4.125%
HK$38,738
baseline
▲ 0.50% · 4.625%
HK$40,780
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,476/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,475
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,343/mo
Today · 4.125%
HK$45,139
baseline
▲ 0.50% · 4.625%
HK$47,885
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,278/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,253
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,521
−HK$1,285/mo
Today · 4.125%
HK$49,806
baseline
▲ 0.50% · 4.625%
HK$52,432
+HK$2,626/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,612/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,071 · Scale 2, in force from 26 Feb 2026)