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$23,574
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,307
−HK$745/mo
Today · 4.125%
HK$25,052
baseline
▲ 0.50% · 4.625%
HK$26,576
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,104/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,226
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,929
−HK$713/mo
Today · 4.125%
HK$27,642
baseline
▲ 0.50% · 4.625%
HK$29,099
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,284/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,288
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,168
−HK$894/mo
Today · 4.125%
HK$30,062
baseline
▲ 0.50% · 4.625%
HK$31,892
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,124/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,471
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,315
−HK$856/mo
Today · 4.125%
HK$33,171
baseline
▲ 0.50% · 4.625%
HK$34,919
+HK$1,748/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,342/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,003
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,030
−HK$1,043/mo
Today · 4.125%
HK$35,073
baseline
▲ 0.50% · 4.625%
HK$37,207
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,146/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,716
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,700
−HK$999/mo
Today · 4.125%
HK$38,699
baseline
▲ 0.50% · 4.625%
HK$40,739
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,398/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,433
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,753
−HK$1,341/mo
Today · 4.125%
HK$45,094
baseline
▲ 0.50% · 4.625%
HK$47,837
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,188/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,206
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,472
−HK$1,284/mo
Today · 4.125%
HK$49,756
baseline
▲ 0.50% · 4.625%
HK$52,379
+HK$2,623/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,512/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,683 · Scale 2, in force from 26 Feb 2026)