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$23,488
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,219
−HK$742/mo
Today · 4.125%
HK$24,961
baseline
▲ 0.50% · 4.625%
HK$26,480
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,922/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,130
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,831
−HK$711/mo
Today · 4.125%
HK$27,542
baseline
▲ 0.50% · 4.625%
HK$28,994
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,084/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,186
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,062
−HK$891/mo
Today · 4.125%
HK$29,953
baseline
▲ 0.50% · 4.625%
HK$31,776
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,906/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,356
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,197
−HK$853/mo
Today · 4.125%
HK$33,050
baseline
▲ 0.50% · 4.625%
HK$34,793
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,100/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,883
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,906
−HK$1,039/mo
Today · 4.125%
HK$34,945
baseline
▲ 0.50% · 4.625%
HK$37,072
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,890/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,582
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,563
−HK$996/mo
Today · 4.125%
HK$38,559
baseline
▲ 0.50% · 4.625%
HK$40,591
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,118/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,279
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,594
−HK$1,336/mo
Today · 4.125%
HK$44,930
baseline
▲ 0.50% · 4.625%
HK$47,664
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,860/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,034
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,296
−HK$1,280/mo
Today · 4.125%
HK$49,576
baseline
▲ 0.50% · 4.625%
HK$52,189
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,152/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,274 · Scale 2, in force from 26 Feb 2026)