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$23,527
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,259
−HK$743/mo
Today · 4.125%
HK$25,002
baseline
▲ 0.50% · 4.625%
HK$26,523
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,004/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,173
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,875
−HK$712/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,042
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,232
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,110
−HK$893/mo
Today · 4.125%
HK$30,003
baseline
▲ 0.50% · 4.625%
HK$31,828
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,006/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,408
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,250
−HK$855/mo
Today · 4.125%
HK$33,105
baseline
▲ 0.50% · 4.625%
HK$34,850
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,210/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,938
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,962
−HK$1,041/mo
Today · 4.125%
HK$35,003
baseline
▲ 0.50% · 4.625%
HK$37,133
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,006/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,643
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,625
−HK$997/mo
Today · 4.125%
HK$38,622
baseline
▲ 0.50% · 4.625%
HK$40,658
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,244/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,348
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,666
−HK$1,338/mo
Today · 4.125%
HK$45,004
baseline
▲ 0.50% · 4.625%
HK$47,742
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,008/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,112
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,376
−HK$1,281/mo
Today · 4.125%
HK$49,657
baseline
▲ 0.50% · 4.625%
HK$52,275
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,314/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,911 · Scale 2, in force from 26 Feb 2026)