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$23,546
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$744/mo
Today · 4.125%
HK$25,022
baseline
▲ 0.50% · 4.625%
HK$26,545
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,044/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,195
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,897
−HK$713/mo
Today · 4.125%
HK$27,610
baseline
▲ 0.50% · 4.625%
HK$29,065
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,220/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,255
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,134
−HK$893/mo
Today · 4.125%
HK$30,027
baseline
▲ 0.50% · 4.625%
HK$31,854
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,054/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,434
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,277
−HK$855/mo
Today · 4.125%
HK$33,132
baseline
▲ 0.50% · 4.625%
HK$34,878
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,264/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,964
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,990
−HK$1,041/mo
Today · 4.125%
HK$35,031
baseline
▲ 0.50% · 4.625%
HK$37,163
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,062/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,672
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,656
−HK$998/mo
Today · 4.125%
HK$38,654
baseline
▲ 0.50% · 4.625%
HK$40,691
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,308/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,383
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,701
−HK$1,339/mo
Today · 4.125%
HK$45,040
baseline
▲ 0.50% · 4.625%
HK$47,781
+HK$2,741/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,080/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,150
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,415
−HK$1,283/mo
Today · 4.125%
HK$49,698
baseline
▲ 0.50% · 4.625%
HK$52,317
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,396/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,225 · Scale 2, in force from 26 Feb 2026)