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$23,545
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,277
−HK$744/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,543
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,193
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$712/mo
Today · 4.125%
HK$27,608
baseline
▲ 0.50% · 4.625%
HK$29,063
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,216/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,253
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,132
−HK$893/mo
Today · 4.125%
HK$30,025
baseline
▲ 0.50% · 4.625%
HK$31,852
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,050/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,432
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,275
−HK$855/mo
Today · 4.125%
HK$33,130
baseline
▲ 0.50% · 4.625%
HK$34,876
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,260/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,962
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,988
−HK$1,041/mo
Today · 4.125%
HK$35,029
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,058/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,670
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,654
−HK$997/mo
Today · 4.125%
HK$38,651
baseline
▲ 0.50% · 4.625%
HK$40,689
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,302/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,380
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,698
−HK$1,340/mo
Today · 4.125%
HK$45,038
baseline
▲ 0.50% · 4.625%
HK$47,778
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,076/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,147
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,412
−HK$1,283/mo
Today · 4.125%
HK$49,695
baseline
▲ 0.50% · 4.625%
HK$52,314
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,390/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,202 · Scale 2, in force from 26 Feb 2026)