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$23,518
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$743/mo
Today · 4.125%
HK$24,993
baseline
▲ 0.50% · 4.625%
HK$26,514
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,986/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,164
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,865
−HK$712/mo
Today · 4.125%
HK$27,577
baseline
▲ 0.50% · 4.625%
HK$29,031
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,154/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,222
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,100
−HK$892/mo
Today · 4.125%
HK$29,992
baseline
▲ 0.50% · 4.625%
HK$31,817
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,984/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,397
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,239
−HK$854/mo
Today · 4.125%
HK$33,093
baseline
▲ 0.50% · 4.625%
HK$34,837
+HK$1,744/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,186/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,925
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,950
−HK$1,040/mo
Today · 4.125%
HK$34,990
baseline
▲ 0.50% · 4.625%
HK$37,119
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,980/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,629
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,612
−HK$996/mo
Today · 4.125%
HK$38,608
baseline
▲ 0.50% · 4.625%
HK$40,643
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,216/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,333
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,650
−HK$1,337/mo
Today · 4.125%
HK$44,987
baseline
▲ 0.50% · 4.625%
HK$47,725
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,974/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,095
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,358
−HK$1,281/mo
Today · 4.125%
HK$49,639
baseline
▲ 0.50% · 4.625%
HK$52,256
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,278/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,770 · Scale 2, in force from 26 Feb 2026)