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$23,572
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,305
−HK$745/mo
Today · 4.125%
HK$25,050
baseline
▲ 0.50% · 4.625%
HK$26,574
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,100/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,224
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,927
−HK$713/mo
Today · 4.125%
HK$27,640
baseline
▲ 0.50% · 4.625%
HK$29,097
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,280/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,286
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,166
−HK$894/mo
Today · 4.125%
HK$30,060
baseline
▲ 0.50% · 4.625%
HK$31,889
+HK$1,829/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,120/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,468
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,312
−HK$856/mo
Today · 4.125%
HK$33,168
baseline
▲ 0.50% · 4.625%
HK$34,917
+HK$1,749/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,336/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,001
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,027
−HK$1,043/mo
Today · 4.125%
HK$35,070
baseline
▲ 0.50% · 4.625%
HK$37,204
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,140/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,713
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,698
−HK$999/mo
Today · 4.125%
HK$38,697
baseline
▲ 0.50% · 4.625%
HK$40,736
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,394/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,430
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,749
−HK$1,341/mo
Today · 4.125%
HK$45,090
baseline
▲ 0.50% · 4.625%
HK$47,834
+HK$2,744/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,180/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,203
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,468
−HK$1,285/mo
Today · 4.125%
HK$49,753
baseline
▲ 0.50% · 4.625%
HK$52,375
+HK$2,622/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,506/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,654 · Scale 2, in force from 26 Feb 2026)