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$23,538
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$744/mo
Today · 4.125%
HK$25,014
baseline
▲ 0.50% · 4.625%
HK$26,536
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,028/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,186
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,888
−HK$713/mo
Today · 4.125%
HK$27,601
baseline
▲ 0.50% · 4.625%
HK$29,056
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,202/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,246
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,124
−HK$893/mo
Today · 4.125%
HK$30,017
baseline
▲ 0.50% · 4.625%
HK$31,843
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,034/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,423
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$855/mo
Today · 4.125%
HK$33,121
baseline
▲ 0.50% · 4.625%
HK$34,867
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,242/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,953
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,978
−HK$1,042/mo
Today · 4.125%
HK$35,020
baseline
▲ 0.50% · 4.625%
HK$37,151
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,040/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,660
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,643
−HK$998/mo
Today · 4.125%
HK$38,641
baseline
▲ 0.50% · 4.625%
HK$40,678
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,282/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,369
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,686
−HK$1,339/mo
Today · 4.125%
HK$45,025
baseline
▲ 0.50% · 4.625%
HK$47,765
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,050/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,135
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,399
−HK$1,282/mo
Today · 4.125%
HK$49,681
baseline
▲ 0.50% · 4.625%
HK$52,300
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,362/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,097 · Scale 2, in force from 26 Feb 2026)