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$23,532
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,264
−HK$744/mo
Today · 4.125%
HK$25,008
baseline
▲ 0.50% · 4.625%
HK$26,529
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,016/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,179
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,881
−HK$712/mo
Today · 4.125%
HK$27,593
baseline
▲ 0.50% · 4.625%
HK$29,048
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,186/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,238
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,117
−HK$892/mo
Today · 4.125%
HK$30,009
baseline
▲ 0.50% · 4.625%
HK$31,835
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,018/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,415
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,257
−HK$855/mo
Today · 4.125%
HK$33,112
baseline
▲ 0.50% · 4.625%
HK$34,857
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,224/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,969
−HK$1,042/mo
Today · 4.125%
HK$35,011
baseline
▲ 0.50% · 4.625%
HK$37,141
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,022/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,651
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$997/mo
Today · 4.125%
HK$38,631
baseline
▲ 0.50% · 4.625%
HK$40,667
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,262/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,357
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,675
−HK$1,339/mo
Today · 4.125%
HK$45,014
baseline
▲ 0.50% · 4.625%
HK$47,753
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,028/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,122
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,386
−HK$1,282/mo
Today · 4.125%
HK$49,668
baseline
▲ 0.50% · 4.625%
HK$52,286
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,336/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,995 · Scale 2, in force from 26 Feb 2026)