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$23,547
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,279
−HK$744/mo
Today · 4.125%
HK$25,023
baseline
▲ 0.50% · 4.625%
HK$26,546
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,046/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,195
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,898
−HK$713/mo
Today · 4.125%
HK$27,611
baseline
▲ 0.50% · 4.625%
HK$29,066
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,222/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,256
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,135
−HK$893/mo
Today · 4.125%
HK$30,028
baseline
▲ 0.50% · 4.625%
HK$31,855
+HK$1,827/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,056/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,434
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,278
−HK$855/mo
Today · 4.125%
HK$33,133
baseline
▲ 0.50% · 4.625%
HK$34,879
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,266/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,965
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,991
−HK$1,041/mo
Today · 4.125%
HK$35,032
baseline
▲ 0.50% · 4.625%
HK$37,164
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,064/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,674
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,657
−HK$998/mo
Today · 4.125%
HK$38,655
baseline
▲ 0.50% · 4.625%
HK$40,692
+HK$2,037/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,310/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,384
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,702
−HK$1,340/mo
Today · 4.125%
HK$45,042
baseline
▲ 0.50% · 4.625%
HK$47,782
+HK$2,740/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,084/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,152
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,416
−HK$1,283/mo
Today · 4.125%
HK$49,699
baseline
▲ 0.50% · 4.625%
HK$52,319
+HK$2,620/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,398/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,237 · Scale 2, in force from 26 Feb 2026)