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$23,528
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$743/mo
Today · 4.125%
HK$25,003
baseline
▲ 0.50% · 4.625%
HK$26,524
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,006/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,174
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,876
−HK$712/mo
Today · 4.125%
HK$27,588
baseline
▲ 0.50% · 4.625%
HK$29,043
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,176/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,233
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,111
−HK$893/mo
Today · 4.125%
HK$30,004
baseline
▲ 0.50% · 4.625%
HK$31,829
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,008/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,409
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,252
−HK$854/mo
Today · 4.125%
HK$33,106
baseline
▲ 0.50% · 4.625%
HK$34,851
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,212/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,939
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,963
−HK$1,041/mo
Today · 4.125%
HK$35,004
baseline
▲ 0.50% · 4.625%
HK$37,134
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,008/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,644
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,627
−HK$997/mo
Today · 4.125%
HK$38,624
baseline
▲ 0.50% · 4.625%
HK$40,660
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,248/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,350
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,667
−HK$1,338/mo
Today · 4.125%
HK$45,005
baseline
▲ 0.50% · 4.625%
HK$47,744
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,010/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,114
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,377
−HK$1,282/mo
Today · 4.125%
HK$49,659
baseline
▲ 0.50% · 4.625%
HK$52,277
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,318/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,925 · Scale 2, in force from 26 Feb 2026)