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$23,532
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,264
−HK$744/mo
Today · 4.125%
HK$25,008
baseline
▲ 0.50% · 4.625%
HK$26,530
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,016/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,180
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,882
−HK$712/mo
Today · 4.125%
HK$27,594
baseline
▲ 0.50% · 4.625%
HK$29,049
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,188/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,239
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,117
−HK$893/mo
Today · 4.125%
HK$30,010
baseline
▲ 0.50% · 4.625%
HK$31,836
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,020/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,416
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,258
−HK$855/mo
Today · 4.125%
HK$33,113
baseline
▲ 0.50% · 4.625%
HK$34,858
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,226/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,970
−HK$1,041/mo
Today · 4.125%
HK$35,011
baseline
▲ 0.50% · 4.625%
HK$37,142
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,022/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,651
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$998/mo
Today · 4.125%
HK$38,632
baseline
▲ 0.50% · 4.625%
HK$40,668
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,264/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,358
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,676
−HK$1,339/mo
Today · 4.125%
HK$45,015
baseline
▲ 0.50% · 4.625%
HK$47,754
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,030/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,123
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,387
−HK$1,282/mo
Today · 4.125%
HK$49,669
baseline
▲ 0.50% · 4.625%
HK$52,287
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,338/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,004 · Scale 2, in force from 26 Feb 2026)