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$23,526
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,258
−HK$743/mo
Today · 4.125%
HK$25,001
baseline
▲ 0.50% · 4.625%
HK$26,523
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,002/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,173
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,875
−HK$712/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,231
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,110
−HK$892/mo
Today · 4.125%
HK$30,002
baseline
▲ 0.50% · 4.625%
HK$31,827
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,004/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,407
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,250
−HK$854/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$34,849
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,208/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,937
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,961
−HK$1,041/mo
Today · 4.125%
HK$35,002
baseline
▲ 0.50% · 4.625%
HK$37,132
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,004/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,642
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,624
−HK$997/mo
Today · 4.125%
HK$38,621
baseline
▲ 0.50% · 4.625%
HK$40,657
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,242/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,347
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,664
−HK$1,339/mo
Today · 4.125%
HK$45,003
baseline
▲ 0.50% · 4.625%
HK$47,741
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,006/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,111
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,374
−HK$1,282/mo
Today · 4.125%
HK$49,656
baseline
▲ 0.50% · 4.625%
HK$52,273
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,312/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,901 · Scale 2, in force from 26 Feb 2026)