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$23,551
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,283
−HK$745/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,551
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,200
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,903
−HK$713/mo
Today · 4.125%
HK$27,616
baseline
▲ 0.50% · 4.625%
HK$29,071
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,232/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,261
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,140
−HK$893/mo
Today · 4.125%
HK$30,033
baseline
▲ 0.50% · 4.625%
HK$31,861
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,066/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,440
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,283
−HK$856/mo
Today · 4.125%
HK$33,139
baseline
▲ 0.50% · 4.625%
HK$34,886
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,278/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,971
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,997
−HK$1,042/mo
Today · 4.125%
HK$35,039
baseline
▲ 0.50% · 4.625%
HK$37,171
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,078/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,680
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,664
−HK$998/mo
Today · 4.125%
HK$38,662
baseline
▲ 0.50% · 4.625%
HK$40,700
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,324/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,392
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,710
−HK$1,340/mo
Today · 4.125%
HK$45,050
baseline
▲ 0.50% · 4.625%
HK$47,791
+HK$2,741/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,100/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,160
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,425
−HK$1,283/mo
Today · 4.125%
HK$49,708
baseline
▲ 0.50% · 4.625%
HK$52,328
+HK$2,620/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,416/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,307 · Scale 2, in force from 26 Feb 2026)