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$23,540
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,272
−HK$744/mo
Today · 4.125%
HK$25,016
baseline
▲ 0.50% · 4.625%
HK$26,539
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,032/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,188
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,891
−HK$712/mo
Today · 4.125%
HK$27,603
baseline
▲ 0.50% · 4.625%
HK$29,058
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,206/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,248
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,127
−HK$893/mo
Today · 4.125%
HK$30,020
baseline
▲ 0.50% · 4.625%
HK$31,846
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,040/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,426
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,269
−HK$855/mo
Today · 4.125%
HK$33,124
baseline
▲ 0.50% · 4.625%
HK$34,870
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,248/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,956
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,981
−HK$1,042/mo
Today · 4.125%
HK$35,023
baseline
▲ 0.50% · 4.625%
HK$37,154
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,046/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,663
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,647
−HK$997/mo
Today · 4.125%
HK$38,644
baseline
▲ 0.50% · 4.625%
HK$40,681
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,288/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,372
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,690
−HK$1,339/mo
Today · 4.125%
HK$45,029
baseline
▲ 0.50% · 4.625%
HK$47,769
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,058/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,139
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,403
−HK$1,282/mo
Today · 4.125%
HK$49,685
baseline
▲ 0.50% · 4.625%
HK$52,304
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,370/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,130 · Scale 2, in force from 26 Feb 2026)