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$23,579
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,312
−HK$746/mo
Today · 4.125%
HK$25,058
baseline
▲ 0.50% · 4.625%
HK$26,582
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,116/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,231
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,935
−HK$714/mo
Today · 4.125%
HK$27,649
baseline
▲ 0.50% · 4.625%
HK$29,106
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,298/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,295
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,175
−HK$894/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,899
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,138/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,478
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,322
−HK$856/mo
Today · 4.125%
HK$33,178
baseline
▲ 0.50% · 4.625%
HK$34,927
+HK$1,749/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,356/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,011
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,037
−HK$1,044/mo
Today · 4.125%
HK$35,081
baseline
▲ 0.50% · 4.625%
HK$37,215
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,162/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,724
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,709
−HK$999/mo
Today · 4.125%
HK$38,708
baseline
▲ 0.50% · 4.625%
HK$40,748
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,416/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,442
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,762
−HK$1,342/mo
Today · 4.125%
HK$45,104
baseline
▲ 0.50% · 4.625%
HK$47,848
+HK$2,744/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,208/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,216
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,483
−HK$1,284/mo
Today · 4.125%
HK$49,767
baseline
▲ 0.50% · 4.625%
HK$52,391
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,534/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,768 · Scale 2, in force from 26 Feb 2026)