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$23,600
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,334
−HK$746/mo
Today · 4.125%
HK$25,080
baseline
▲ 0.50% · 4.625%
HK$26,606
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,160/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,255
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$714/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,132
+HK$1,459/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$388,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,320
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,201
−HK$895/mo
Today · 4.125%
HK$30,096
baseline
▲ 0.50% · 4.625%
HK$31,927
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,192/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,506
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,351
−HK$857/mo
Today · 4.125%
HK$33,208
baseline
▲ 0.50% · 4.625%
HK$34,958
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,416/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,040
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,068
−HK$1,044/mo
Today · 4.125%
HK$35,112
baseline
▲ 0.50% · 4.625%
HK$37,248
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,224/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,757
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,000/mo
Today · 4.125%
HK$38,743
baseline
▲ 0.50% · 4.625%
HK$40,785
+HK$2,042/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,486/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$388,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,480
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,801
−HK$1,343/mo
Today · 4.125%
HK$45,144
baseline
▲ 0.50% · 4.625%
HK$47,891
+HK$2,747/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,288/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,259
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,526
−HK$1,286/mo
Today · 4.125%
HK$49,812
baseline
▲ 0.50% · 4.625%
HK$52,438
+HK$2,626/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,624/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,115 · Scale 2, in force from 26 Feb 2026)