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$23,537
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,269
−HK$743/mo
Today · 4.125%
HK$25,012
baseline
▲ 0.50% · 4.625%
HK$26,534
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,024/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$713/mo
Today · 4.125%
HK$27,599
baseline
▲ 0.50% · 4.625%
HK$29,054
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,198/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,244
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,122
−HK$893/mo
Today · 4.125%
HK$30,015
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,030/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,421
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,264
−HK$855/mo
Today · 4.125%
HK$33,119
baseline
▲ 0.50% · 4.625%
HK$34,864
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,238/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,951
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,976
−HK$1,041/mo
Today · 4.125%
HK$35,017
baseline
▲ 0.50% · 4.625%
HK$37,148
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,034/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,658
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,641
−HK$997/mo
Today · 4.125%
HK$38,638
baseline
▲ 0.50% · 4.625%
HK$40,675
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,276/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,366
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,684
−HK$1,338/mo
Today · 4.125%
HK$45,022
baseline
▲ 0.50% · 4.625%
HK$47,762
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,044/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,131
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,395
−HK$1,283/mo
Today · 4.125%
HK$49,678
baseline
▲ 0.50% · 4.625%
HK$52,296
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,356/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,071 · Scale 2, in force from 26 Feb 2026)