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$23,570
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,303
−HK$745/mo
Today · 4.125%
HK$25,048
baseline
▲ 0.50% · 4.625%
HK$26,572
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,096/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,221
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,925
−HK$713/mo
Today · 4.125%
HK$27,638
baseline
▲ 0.50% · 4.625%
HK$29,095
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,276/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,284
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,164
−HK$894/mo
Today · 4.125%
HK$30,058
baseline
▲ 0.50% · 4.625%
HK$31,887
+HK$1,829/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,116/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,466
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,310
−HK$856/mo
Today · 4.125%
HK$33,166
baseline
▲ 0.50% · 4.625%
HK$34,914
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,332/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,998
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,024
−HK$1,043/mo
Today · 4.125%
HK$35,067
baseline
▲ 0.50% · 4.625%
HK$37,201
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,134/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,710
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,695
−HK$998/mo
Today · 4.125%
HK$38,693
baseline
▲ 0.50% · 4.625%
HK$40,733
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,386/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,426
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,746
−HK$1,341/mo
Today · 4.125%
HK$45,087
baseline
▲ 0.50% · 4.625%
HK$47,830
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,174/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,199
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,285/mo
Today · 4.125%
HK$49,749
baseline
▲ 0.50% · 4.625%
HK$52,371
+HK$2,622/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,498/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,622 · Scale 2, in force from 26 Feb 2026)