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$23,493
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,224
−HK$742/mo
Today · 4.125%
HK$24,966
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,932/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,135
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,836
−HK$711/mo
Today · 4.125%
HK$27,547
baseline
▲ 0.50% · 4.625%
HK$29,000
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,094/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,191
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,068
−HK$891/mo
Today · 4.125%
HK$29,959
baseline
▲ 0.50% · 4.625%
HK$31,782
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,918/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,363
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,204
−HK$853/mo
Today · 4.125%
HK$33,057
baseline
▲ 0.50% · 4.625%
HK$34,799
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,114/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,890
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,913
−HK$1,039/mo
Today · 4.125%
HK$34,952
baseline
▲ 0.50% · 4.625%
HK$37,079
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,904/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,590
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,571
−HK$995/mo
Today · 4.125%
HK$38,566
baseline
▲ 0.50% · 4.625%
HK$40,599
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,132/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,287
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,602
−HK$1,337/mo
Today · 4.125%
HK$44,939
baseline
▲ 0.50% · 4.625%
HK$47,673
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,878/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,044
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,305
−HK$1,280/mo
Today · 4.125%
HK$49,585
baseline
▲ 0.50% · 4.625%
HK$52,199
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,170/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,351 · Scale 2, in force from 26 Feb 2026)