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$23,503
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,234
−HK$743/mo
Today · 4.125%
HK$24,977
baseline
▲ 0.50% · 4.625%
HK$26,497
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,954/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,147
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,849
−HK$711/mo
Today · 4.125%
HK$27,560
baseline
▲ 0.50% · 4.625%
HK$29,013
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,120/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,204
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$892/mo
Today · 4.125%
HK$29,973
baseline
▲ 0.50% · 4.625%
HK$31,796
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,946/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,377
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,218
−HK$854/mo
Today · 4.125%
HK$33,072
baseline
▲ 0.50% · 4.625%
HK$34,815
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,144/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,905
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,928
−HK$1,040/mo
Today · 4.125%
HK$34,968
baseline
▲ 0.50% · 4.625%
HK$37,096
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,936/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,606
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,588
−HK$996/mo
Today · 4.125%
HK$38,584
baseline
▲ 0.50% · 4.625%
HK$40,618
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,168/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,306
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,622
−HK$1,337/mo
Today · 4.125%
HK$44,959
baseline
▲ 0.50% · 4.625%
HK$47,695
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,918/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,065
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,327
−HK$1,281/mo
Today · 4.125%
HK$49,608
baseline
▲ 0.50% · 4.625%
HK$52,223
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,216/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,525 · Scale 2, in force from 26 Feb 2026)