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$23,574
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,308
−HK$745/mo
Today · 4.125%
HK$25,053
baseline
▲ 0.50% · 4.625%
HK$26,577
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,106/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,226
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,929
−HK$714/mo
Today · 4.125%
HK$27,643
baseline
▲ 0.50% · 4.625%
HK$29,100
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,286/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,289
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,169
−HK$894/mo
Today · 4.125%
HK$30,063
baseline
▲ 0.50% · 4.625%
HK$31,892
+HK$1,829/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$60,126/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,471
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,315
−HK$857/mo
Today · 4.125%
HK$33,172
baseline
▲ 0.50% · 4.625%
HK$34,920
+HK$1,748/mo
Deposit HK$4.14M · loan HK$6.20M · min. income ≈ HK$66,344/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,004
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,031
−HK$1,043/mo
Today · 4.125%
HK$35,074
baseline
▲ 0.50% · 4.625%
HK$37,208
+HK$2,134/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,148/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,717
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,701
−HK$999/mo
Today · 4.125%
HK$38,700
baseline
▲ 0.50% · 4.625%
HK$40,740
+HK$2,040/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,400/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,434
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,754
−HK$1,341/mo
Today · 4.125%
HK$45,095
baseline
▲ 0.50% · 4.625%
HK$47,839
+HK$2,744/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,190/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,207
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,473
−HK$1,284/mo
Today · 4.125%
HK$49,757
baseline
▲ 0.50% · 4.625%
HK$52,380
+HK$2,623/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,514/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,691 · Scale 2, in force from 26 Feb 2026)