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$23,487
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,217
−HK$743/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,478
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,129
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$711/mo
Today · 4.125%
HK$27,541
baseline
▲ 0.50% · 4.625%
HK$28,992
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,082/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,184
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,061
−HK$891/mo
Today · 4.125%
HK$29,952
baseline
▲ 0.50% · 4.625%
HK$31,774
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,904/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,355
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,196
−HK$853/mo
Today · 4.125%
HK$33,049
baseline
▲ 0.50% · 4.625%
HK$34,791
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,098/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,882
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$1,040/mo
Today · 4.125%
HK$34,944
baseline
▲ 0.50% · 4.625%
HK$37,070
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,888/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,580
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,562
−HK$995/mo
Today · 4.125%
HK$38,557
baseline
▲ 0.50% · 4.625%
HK$40,589
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,114/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,276
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,591
−HK$1,336/mo
Today · 4.125%
HK$44,927
baseline
▲ 0.50% · 4.625%
HK$47,661
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,854/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,032
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,293
−HK$1,280/mo
Today · 4.125%
HK$49,573
baseline
▲ 0.50% · 4.625%
HK$52,186
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,146/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,254 · Scale 2, in force from 26 Feb 2026)