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$23,564
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,297
−HK$745/mo
Today · 4.125%
HK$25,042
baseline
▲ 0.50% · 4.625%
HK$26,566
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,084/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,215
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,918
−HK$713/mo
Today · 4.125%
HK$27,631
baseline
▲ 0.50% · 4.625%
HK$29,088
+HK$1,457/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,262/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,277
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$893/mo
Today · 4.125%
HK$30,050
baseline
▲ 0.50% · 4.625%
HK$31,879
+HK$1,829/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,100/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,458
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,302
−HK$855/mo
Today · 4.125%
HK$33,157
baseline
▲ 0.50% · 4.625%
HK$34,905
+HK$1,748/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,314/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,990
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,016
−HK$1,043/mo
Today · 4.125%
HK$35,059
baseline
▲ 0.50% · 4.625%
HK$37,192
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,118/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,701
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,685
−HK$999/mo
Today · 4.125%
HK$38,684
baseline
▲ 0.50% · 4.625%
HK$40,723
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,368/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,415
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,735
−HK$1,340/mo
Today · 4.125%
HK$45,075
baseline
▲ 0.50% · 4.625%
HK$47,818
+HK$2,743/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,150/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,187
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,452
−HK$1,284/mo
Today · 4.125%
HK$49,736
baseline
▲ 0.50% · 4.625%
HK$52,358
+HK$2,622/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,472/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,525 · Scale 2, in force from 26 Feb 2026)