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$23,563
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,296
−HK$745/mo
Today · 4.125%
HK$25,041
baseline
▲ 0.50% · 4.625%
HK$26,565
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,082/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,214
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,917
−HK$713/mo
Today · 4.125%
HK$27,630
baseline
▲ 0.50% · 4.625%
HK$29,087
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,260/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,276
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,156
−HK$893/mo
Today · 4.125%
HK$30,049
baseline
▲ 0.50% · 4.625%
HK$31,878
+HK$1,829/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,098/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,457
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,301
−HK$855/mo
Today · 4.125%
HK$33,156
baseline
▲ 0.50% · 4.625%
HK$34,904
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,312/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,989
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,015
−HK$1,043/mo
Today · 4.125%
HK$35,058
baseline
▲ 0.50% · 4.625%
HK$37,191
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,116/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,700
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,684
−HK$999/mo
Today · 4.125%
HK$38,683
baseline
▲ 0.50% · 4.625%
HK$40,722
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,366/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,414
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,734
−HK$1,340/mo
Today · 4.125%
HK$45,074
baseline
▲ 0.50% · 4.625%
HK$47,817
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,148/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,185
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,451
−HK$1,284/mo
Today · 4.125%
HK$49,735
baseline
▲ 0.50% · 4.625%
HK$52,356
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,470/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,514 · Scale 2, in force from 26 Feb 2026)