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$23,561
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,294
−HK$744/mo
Today · 4.125%
HK$25,038
baseline
▲ 0.50% · 4.625%
HK$26,562
+HK$1,524/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,076/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,211
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,914
−HK$713/mo
Today · 4.125%
HK$27,627
baseline
▲ 0.50% · 4.625%
HK$29,083
+HK$1,456/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,254/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,273
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,152
−HK$894/mo
Today · 4.125%
HK$30,046
baseline
▲ 0.50% · 4.625%
HK$31,874
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,092/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,453
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,297
−HK$856/mo
Today · 4.125%
HK$33,153
baseline
▲ 0.50% · 4.625%
HK$34,900
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,306/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,985
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,011
−HK$1,042/mo
Today · 4.125%
HK$35,053
baseline
▲ 0.50% · 4.625%
HK$37,186
+HK$2,133/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,106/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,695
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,680
−HK$998/mo
Today · 4.125%
HK$38,678
baseline
▲ 0.50% · 4.625%
HK$40,717
+HK$2,039/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,356/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,409
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,728
−HK$1,341/mo
Today · 4.125%
HK$45,069
baseline
▲ 0.50% · 4.625%
HK$47,811
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,138/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,180
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,445
−HK$1,284/mo
Today · 4.125%
HK$49,729
baseline
▲ 0.50% · 4.625%
HK$52,350
+HK$2,621/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,458/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,469 · Scale 2, in force from 26 Feb 2026)