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$23,568
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,302
−HK$744/mo
Today · 4.125%
HK$25,046
baseline
▲ 0.50% · 4.625%
HK$26,570
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,092/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,220
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,923
−HK$713/mo
Today · 4.125%
HK$27,636
baseline
▲ 0.50% · 4.625%
HK$29,093
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,272/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,282
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,162
−HK$894/mo
Today · 4.125%
HK$30,056
baseline
▲ 0.50% · 4.625%
HK$31,884
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,112/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,464
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,307
−HK$856/mo
Today · 4.125%
HK$33,163
baseline
▲ 0.50% · 4.625%
HK$34,912
+HK$1,749/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,326/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,996
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,022
−HK$1,043/mo
Today · 4.125%
HK$35,065
baseline
▲ 0.50% · 4.625%
HK$37,199
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,130/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,708
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,692
−HK$999/mo
Today · 4.125%
HK$38,691
baseline
▲ 0.50% · 4.625%
HK$40,730
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,382/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,423
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,743
−HK$1,340/mo
Today · 4.125%
HK$45,083
baseline
▲ 0.50% · 4.625%
HK$47,827
+HK$2,744/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,166/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,195
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,461
−HK$1,284/mo
Today · 4.125%
HK$49,745
baseline
▲ 0.50% · 4.625%
HK$52,367
+HK$2,622/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,490/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,596 · Scale 2, in force from 26 Feb 2026)