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$23,590
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,324
−HK$745/mo
Today · 4.125%
HK$25,069
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,525/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,138/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,243
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$714/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,119
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,188
−HK$895/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,913
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,492
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$856/mo
Today · 4.125%
HK$33,193
baseline
▲ 0.50% · 4.625%
HK$34,943
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,386/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,026
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,053
−HK$1,044/mo
Today · 4.125%
HK$35,097
baseline
▲ 0.50% · 4.625%
HK$37,232
+HK$2,135/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,194/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,741
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,726
−HK$1,000/mo
Today · 4.125%
HK$38,726
baseline
▲ 0.50% · 4.625%
HK$40,767
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,452/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,462
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,782
−HK$1,342/mo
Today · 4.125%
HK$45,124
baseline
▲ 0.50% · 4.625%
HK$47,870
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,248/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,238
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,505
−HK$1,285/mo
Today · 4.125%
HK$49,790
baseline
▲ 0.50% · 4.625%
HK$52,415
+HK$2,625/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,580/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,946 · Scale 2, in force from 26 Feb 2026)