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$23,544
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,276
−HK$744/mo
Today · 4.125%
HK$25,020
baseline
▲ 0.50% · 4.625%
HK$26,543
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,040/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,192
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,895
−HK$712/mo
Today · 4.125%
HK$27,607
baseline
▲ 0.50% · 4.625%
HK$29,063
+HK$1,456/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,214/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,253
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,131
−HK$893/mo
Today · 4.125%
HK$30,024
baseline
▲ 0.50% · 4.625%
HK$31,851
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,048/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,431
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,274
−HK$855/mo
Today · 4.125%
HK$33,129
baseline
▲ 0.50% · 4.625%
HK$34,875
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,258/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,961
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,987
−HK$1,041/mo
Today · 4.125%
HK$35,028
baseline
▲ 0.50% · 4.625%
HK$37,160
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,056/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,669
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,653
−HK$997/mo
Today · 4.125%
HK$38,650
baseline
▲ 0.50% · 4.625%
HK$40,688
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,300/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,379
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,697
−HK$1,340/mo
Today · 4.125%
HK$45,037
baseline
▲ 0.50% · 4.625%
HK$47,777
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,074/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,146
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,411
−HK$1,282/mo
Today · 4.125%
HK$49,693
baseline
▲ 0.50% · 4.625%
HK$52,313
+HK$2,620/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,386/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,192 · Scale 2, in force from 26 Feb 2026)