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$23,569
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,302
−HK$745/mo
Today · 4.125%
HK$25,047
baseline
▲ 0.50% · 4.625%
HK$26,571
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,094/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,220
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,924
−HK$713/mo
Today · 4.125%
HK$27,637
baseline
▲ 0.50% · 4.625%
HK$29,094
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,274/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,283
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,163
−HK$893/mo
Today · 4.125%
HK$30,056
baseline
▲ 0.50% · 4.625%
HK$31,885
+HK$1,829/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,112/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,464
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,308
−HK$856/mo
Today · 4.125%
HK$33,164
baseline
▲ 0.50% · 4.625%
HK$34,912
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,328/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,997
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,023
−HK$1,043/mo
Today · 4.125%
HK$35,066
baseline
▲ 0.50% · 4.625%
HK$37,200
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,132/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,709
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,693
−HK$999/mo
Today · 4.125%
HK$38,692
baseline
▲ 0.50% · 4.625%
HK$40,731
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,384/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,424
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,744
−HK$1,341/mo
Today · 4.125%
HK$45,085
baseline
▲ 0.50% · 4.625%
HK$47,828
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,170/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,197
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,462
−HK$1,285/mo
Today · 4.125%
HK$49,747
baseline
▲ 0.50% · 4.625%
HK$52,369
+HK$2,622/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,494/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,606 · Scale 2, in force from 26 Feb 2026)