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$23,576
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,309
−HK$745/mo
Today · 4.125%
HK$25,054
baseline
▲ 0.50% · 4.625%
HK$26,578
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,108/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,228
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,931
−HK$714/mo
Today · 4.125%
HK$27,645
baseline
▲ 0.50% · 4.625%
HK$29,102
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,290/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,291
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,171
−HK$894/mo
Today · 4.125%
HK$30,065
baseline
▲ 0.50% · 4.625%
HK$31,894
+HK$1,829/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,130/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,473
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,317
−HK$857/mo
Today · 4.125%
HK$33,174
baseline
▲ 0.50% · 4.625%
HK$34,922
+HK$1,748/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,348/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,006
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,033
−HK$1,043/mo
Today · 4.125%
HK$35,076
baseline
▲ 0.50% · 4.625%
HK$37,210
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,152/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,719
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,703
−HK$999/mo
Today · 4.125%
HK$38,702
baseline
▲ 0.50% · 4.625%
HK$40,743
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,404/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,436
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,756
−HK$1,341/mo
Today · 4.125%
HK$45,097
baseline
▲ 0.50% · 4.625%
HK$47,841
+HK$2,744/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,194/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,210
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,476
−HK$1,284/mo
Today · 4.125%
HK$49,760
baseline
▲ 0.50% · 4.625%
HK$52,383
+HK$2,623/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,520/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,714 · Scale 2, in force from 26 Feb 2026)