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$23,596
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,330
−HK$746/mo
Today · 4.125%
HK$25,076
baseline
▲ 0.50% · 4.625%
HK$26,602
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,152/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,251
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,955
−HK$714/mo
Today · 4.125%
HK$27,669
baseline
▲ 0.50% · 4.625%
HK$29,128
+HK$1,459/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,338/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,316
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,197
−HK$894/mo
Today · 4.125%
HK$30,091
baseline
▲ 0.50% · 4.625%
HK$31,922
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,182/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,501
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,346
−HK$857/mo
Today · 4.125%
HK$33,203
baseline
▲ 0.50% · 4.625%
HK$34,953
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,406/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,035
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,063
−HK$1,044/mo
Today · 4.125%
HK$35,107
baseline
▲ 0.50% · 4.625%
HK$37,243
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,214/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,751
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,737
−HK$1,000/mo
Today · 4.125%
HK$38,737
baseline
▲ 0.50% · 4.625%
HK$40,779
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,474/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,474
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,795
−HK$1,342/mo
Today · 4.125%
HK$45,137
baseline
▲ 0.50% · 4.625%
HK$47,884
+HK$2,747/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,274/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,252
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,519
−HK$1,285/mo
Today · 4.125%
HK$49,804
baseline
▲ 0.50% · 4.625%
HK$52,430
+HK$2,626/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,608/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,057 · Scale 2, in force from 26 Feb 2026)