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$23,581
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,314
−HK$745/mo
Today · 4.125%
HK$25,059
baseline
▲ 0.50% · 4.625%
HK$26,584
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,118/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,233
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,937
−HK$714/mo
Today · 4.125%
HK$27,651
baseline
▲ 0.50% · 4.625%
HK$29,108
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,302/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,297
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,177
−HK$894/mo
Today · 4.125%
HK$30,071
baseline
▲ 0.50% · 4.625%
HK$31,901
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,142/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,480
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,324
−HK$857/mo
Today · 4.125%
HK$33,181
baseline
▲ 0.50% · 4.625%
HK$34,930
+HK$1,749/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,362/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,013
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,040
−HK$1,043/mo
Today · 4.125%
HK$35,083
baseline
▲ 0.50% · 4.625%
HK$37,218
+HK$2,135/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,166/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,727
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,712
−HK$999/mo
Today · 4.125%
HK$38,711
baseline
▲ 0.50% · 4.625%
HK$40,751
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,422/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,445
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,766
−HK$1,341/mo
Today · 4.125%
HK$45,107
baseline
▲ 0.50% · 4.625%
HK$47,852
+HK$2,745/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,214/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,220
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,486
−HK$1,285/mo
Today · 4.125%
HK$49,771
baseline
▲ 0.50% · 4.625%
HK$52,395
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,542/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,798 · Scale 2, in force from 26 Feb 2026)