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$23,555
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,287
−HK$745/mo
Today · 4.125%
HK$25,032
baseline
▲ 0.50% · 4.625%
HK$26,555
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,064/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,204
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,907
−HK$713/mo
Today · 4.125%
HK$27,620
baseline
▲ 0.50% · 4.625%
HK$29,076
+HK$1,456/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,240/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,266
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,145
−HK$893/mo
Today · 4.125%
HK$30,038
baseline
▲ 0.50% · 4.625%
HK$31,866
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,076/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,445
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,289
−HK$855/mo
Today · 4.125%
HK$33,144
baseline
▲ 0.50% · 4.625%
HK$34,891
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,288/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,977
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,002
−HK$1,043/mo
Today · 4.125%
HK$35,045
baseline
▲ 0.50% · 4.625%
HK$37,177
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,090/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,686
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,670
−HK$998/mo
Today · 4.125%
HK$38,668
baseline
▲ 0.50% · 4.625%
HK$40,706
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,336/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,398
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,717
−HK$1,340/mo
Today · 4.125%
HK$45,057
baseline
▲ 0.50% · 4.625%
HK$47,799
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,114/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,168
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,433
−HK$1,283/mo
Today · 4.125%
HK$49,716
baseline
▲ 0.50% · 4.625%
HK$52,337
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,432/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,370 · Scale 2, in force from 26 Feb 2026)