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$23,577
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,311
−HK$745/mo
Today · 4.125%
HK$25,056
baseline
▲ 0.50% · 4.625%
HK$26,580
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,112/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,229
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,933
−HK$714/mo
Today · 4.125%
HK$27,647
baseline
▲ 0.50% · 4.625%
HK$29,104
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,294/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,293
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,173
−HK$894/mo
Today · 4.125%
HK$30,067
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,829/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,134/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,475
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,319
−HK$857/mo
Today · 4.125%
HK$33,176
baseline
▲ 0.50% · 4.625%
HK$34,925
+HK$1,749/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,352/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,008
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,035
−HK$1,043/mo
Today · 4.125%
HK$35,078
baseline
▲ 0.50% · 4.625%
HK$37,212
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,156/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,721
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,706
−HK$999/mo
Today · 4.125%
HK$38,705
baseline
▲ 0.50% · 4.625%
HK$40,745
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,410/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,439
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,759
−HK$1,341/mo
Today · 4.125%
HK$45,100
baseline
▲ 0.50% · 4.625%
HK$47,845
+HK$2,745/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,200/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,213
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,479
−HK$1,285/mo
Today · 4.125%
HK$49,764
baseline
▲ 0.50% · 4.625%
HK$52,387
+HK$2,623/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,528/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,740 · Scale 2, in force from 26 Feb 2026)