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$23,469
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,199
−HK$742/mo
Today · 4.125%
HK$24,941
baseline
▲ 0.50% · 4.625%
HK$26,459
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,882/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,110
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,810
−HK$710/mo
Today · 4.125%
HK$27,520
baseline
▲ 0.50% · 4.625%
HK$28,971
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,040/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,163
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,039
−HK$890/mo
Today · 4.125%
HK$29,929
baseline
▲ 0.50% · 4.625%
HK$31,751
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,858/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,331
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$852/mo
Today · 4.125%
HK$33,024
baseline
▲ 0.50% · 4.625%
HK$34,765
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,048/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,857
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,879
−HK$1,039/mo
Today · 4.125%
HK$34,918
baseline
▲ 0.50% · 4.625%
HK$37,042
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,836/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,553
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,534
−HK$994/mo
Today · 4.125%
HK$38,528
baseline
▲ 0.50% · 4.625%
HK$40,559
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,056/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,245
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,559
−HK$1,335/mo
Today · 4.125%
HK$44,894
baseline
▲ 0.50% · 4.625%
HK$47,626
+HK$2,732/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,788/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,997
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,258
−HK$1,278/mo
Today · 4.125%
HK$49,536
baseline
▲ 0.50% · 4.625%
HK$52,147
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,072/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,968 · Scale 2, in force from 26 Feb 2026)