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$23,539
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,272
−HK$743/mo
Today · 4.125%
HK$25,015
baseline
▲ 0.50% · 4.625%
HK$26,538
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,030/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$712/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,057
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,204/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,247
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,126
−HK$893/mo
Today · 4.125%
HK$30,019
baseline
▲ 0.50% · 4.625%
HK$31,845
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,038/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,425
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,268
−HK$855/mo
Today · 4.125%
HK$33,123
baseline
▲ 0.50% · 4.625%
HK$34,868
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,246/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,955
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,980
−HK$1,042/mo
Today · 4.125%
HK$35,022
baseline
▲ 0.50% · 4.625%
HK$37,153
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,044/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,662
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,645
−HK$998/mo
Today · 4.125%
HK$38,643
baseline
▲ 0.50% · 4.625%
HK$40,680
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,286/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,371
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,689
−HK$1,339/mo
Today · 4.125%
HK$45,028
baseline
▲ 0.50% · 4.625%
HK$47,768
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,056/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,137
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,401
−HK$1,283/mo
Today · 4.125%
HK$49,684
baseline
▲ 0.50% · 4.625%
HK$52,303
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,368/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,117 · Scale 2, in force from 26 Feb 2026)