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$23,589
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$746/mo
Today · 4.125%
HK$25,068
baseline
▲ 0.50% · 4.625%
HK$26,593
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,136/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$714/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,306
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,187
−HK$894/mo
Today · 4.125%
HK$30,081
baseline
▲ 0.50% · 4.625%
HK$31,912
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,162/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,490
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,335
−HK$857/mo
Today · 4.125%
HK$33,192
baseline
▲ 0.50% · 4.625%
HK$34,941
+HK$1,749/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,384/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,024
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,051
−HK$1,044/mo
Today · 4.125%
HK$35,095
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$2,135/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,190/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,739
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,724
−HK$1,000/mo
Today · 4.125%
HK$38,724
baseline
▲ 0.50% · 4.625%
HK$40,765
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,448/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,459
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,780
−HK$1,342/mo
Today · 4.125%
HK$45,122
baseline
▲ 0.50% · 4.625%
HK$47,868
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,244/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,236
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,503
−HK$1,285/mo
Today · 4.125%
HK$49,788
baseline
▲ 0.50% · 4.625%
HK$52,412
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,576/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,927 · Scale 2, in force from 26 Feb 2026)