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$23,542
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,274
−HK$744/mo
Today · 4.125%
HK$25,018
baseline
▲ 0.50% · 4.625%
HK$26,540
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,036/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,190
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,892
−HK$713/mo
Today · 4.125%
HK$27,605
baseline
▲ 0.50% · 4.625%
HK$29,060
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,210/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,250
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,129
−HK$893/mo
Today · 4.125%
HK$30,022
baseline
▲ 0.50% · 4.625%
HK$31,848
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,044/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,428
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,271
−HK$855/mo
Today · 4.125%
HK$33,126
baseline
▲ 0.50% · 4.625%
HK$34,872
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,252/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,958
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,984
−HK$1,041/mo
Today · 4.125%
HK$35,025
baseline
▲ 0.50% · 4.625%
HK$37,156
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,050/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,666
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,649
−HK$998/mo
Today · 4.125%
HK$38,647
baseline
▲ 0.50% · 4.625%
HK$40,684
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,294/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,375
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,693
−HK$1,339/mo
Today · 4.125%
HK$45,032
baseline
▲ 0.50% · 4.625%
HK$47,773
+HK$2,741/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,064/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,142
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,406
−HK$1,283/mo
Today · 4.125%
HK$49,689
baseline
▲ 0.50% · 4.625%
HK$52,308
+HK$2,619/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,378/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,157 · Scale 2, in force from 26 Feb 2026)