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$23,594
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,328
−HK$745/mo
Today · 4.125%
HK$25,073
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,146/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,248
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,952
−HK$714/mo
Today · 4.125%
HK$27,666
baseline
▲ 0.50% · 4.625%
HK$29,124
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,332/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,313
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,193
−HK$895/mo
Today · 4.125%
HK$30,088
baseline
▲ 0.50% · 4.625%
HK$31,919
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,176/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,497
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,342
−HK$857/mo
Today · 4.125%
HK$33,199
baseline
▲ 0.50% · 4.625%
HK$34,949
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,398/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,031
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,059
−HK$1,044/mo
Today · 4.125%
HK$35,103
baseline
▲ 0.50% · 4.625%
HK$37,239
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,206/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,747
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,733
−HK$999/mo
Today · 4.125%
HK$38,732
baseline
▲ 0.50% · 4.625%
HK$40,774
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,464/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,469
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,790
−HK$1,342/mo
Today · 4.125%
HK$45,132
baseline
▲ 0.50% · 4.625%
HK$47,878
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,264/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,246
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,513
−HK$1,286/mo
Today · 4.125%
HK$49,799
baseline
▲ 0.50% · 4.625%
HK$52,424
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,598/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,012 · Scale 2, in force from 26 Feb 2026)