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$23,566
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,299
−HK$745/mo
Today · 4.125%
HK$25,044
baseline
▲ 0.50% · 4.625%
HK$26,568
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,088/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,217
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,920
−HK$714/mo
Today · 4.125%
HK$27,634
baseline
▲ 0.50% · 4.625%
HK$29,090
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,268/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,279
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,159
−HK$894/mo
Today · 4.125%
HK$30,053
baseline
▲ 0.50% · 4.625%
HK$31,881
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,106/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,461
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,304
−HK$856/mo
Today · 4.125%
HK$33,160
baseline
▲ 0.50% · 4.625%
HK$34,908
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,320/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,993
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,019
−HK$1,043/mo
Today · 4.125%
HK$35,062
baseline
▲ 0.50% · 4.625%
HK$37,195
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,124/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,704
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,688
−HK$999/mo
Today · 4.125%
HK$38,687
baseline
▲ 0.50% · 4.625%
HK$40,726
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,374/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,419
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,739
−HK$1,340/mo
Today · 4.125%
HK$45,079
baseline
▲ 0.50% · 4.625%
HK$47,822
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,158/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,191
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,457
−HK$1,284/mo
Today · 4.125%
HK$49,741
baseline
▲ 0.50% · 4.625%
HK$52,362
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,482/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,559 · Scale 2, in force from 26 Feb 2026)