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$23,579
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,312
−HK$745/mo
Today · 4.125%
HK$25,057
baseline
▲ 0.50% · 4.625%
HK$26,582
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,114/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,231
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,934
−HK$714/mo
Today · 4.125%
HK$27,648
baseline
▲ 0.50% · 4.625%
HK$29,105
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,296/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,294
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,174
−HK$895/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,898
+HK$1,829/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,138/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,477
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,321
−HK$857/mo
Today · 4.125%
HK$33,178
baseline
▲ 0.50% · 4.625%
HK$34,926
+HK$1,748/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,356/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,010
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,037
−HK$1,043/mo
Today · 4.125%
HK$35,080
baseline
▲ 0.50% · 4.625%
HK$37,214
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,160/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,723
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,708
−HK$999/mo
Today · 4.125%
HK$38,707
baseline
▲ 0.50% · 4.625%
HK$40,748
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,414/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,441
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,761
−HK$1,342/mo
Today · 4.125%
HK$45,103
baseline
▲ 0.50% · 4.625%
HK$47,847
+HK$2,744/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,206/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,216
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,482
−HK$1,284/mo
Today · 4.125%
HK$49,766
baseline
▲ 0.50% · 4.625%
HK$52,390
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,532/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,761 · Scale 2, in force from 26 Feb 2026)