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$23,576
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,310
−HK$745/mo
Today · 4.125%
HK$25,055
baseline
▲ 0.50% · 4.625%
HK$26,579
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,110/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,228
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,932
−HK$714/mo
Today · 4.125%
HK$27,646
baseline
▲ 0.50% · 4.625%
HK$29,103
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,292/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$894/mo
Today · 4.125%
HK$30,066
baseline
▲ 0.50% · 4.625%
HK$31,895
+HK$1,829/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,132/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,474
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,318
−HK$857/mo
Today · 4.125%
HK$33,175
baseline
▲ 0.50% · 4.625%
HK$34,923
+HK$1,748/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,350/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,007
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,034
−HK$1,043/mo
Today · 4.125%
HK$35,077
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,154/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,720
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,705
−HK$999/mo
Today · 4.125%
HK$38,704
baseline
▲ 0.50% · 4.625%
HK$40,744
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,408/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,437
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,758
−HK$1,341/mo
Today · 4.125%
HK$45,099
baseline
▲ 0.50% · 4.625%
HK$47,843
+HK$2,744/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,198/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,211
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,477
−HK$1,285/mo
Today · 4.125%
HK$49,762
baseline
▲ 0.50% · 4.625%
HK$52,385
+HK$2,623/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,524/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,726 · Scale 2, in force from 26 Feb 2026)