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$24,271
−HK$744/mo
Today · 4.125%
HK$25,015
baseline
▲ 0.50% · 4.625%
HK$26,537
+HK$1,522/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$387,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$712/mo
Today · 4.125%
HK$27,601
baseline
▲ 0.50% · 4.625%
HK$29,056
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,202/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,246
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,125
−HK$893/mo
Today · 4.125%
HK$30,018
baseline
▲ 0.50% · 4.625%
HK$31,844
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,036/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,424
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,267
−HK$855/mo
Today · 4.125%
HK$33,122
baseline
▲ 0.50% · 4.625%
HK$34,867
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,244/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,954
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,979
−HK$1,042/mo
Today · 4.125%
HK$35,021
baseline
▲ 0.50% · 4.625%
HK$37,152
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,042/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,661
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,644
−HK$998/mo
Today · 4.125%
HK$38,642
baseline
▲ 0.50% · 4.625%
HK$40,679
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,284/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,370
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,688
−HK$1,339/mo
Today · 4.125%
HK$45,027
baseline
▲ 0.50% · 4.625%
HK$47,766
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,054/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,136
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,400
−HK$1,282/mo
Today · 4.125%
HK$49,682
baseline
▲ 0.50% · 4.625%
HK$52,301
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,364/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,106 · Scale 2, in force from 26 Feb 2026)