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$23,464
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,194
−HK$741/mo
Today · 4.125%
HK$24,935
baseline
▲ 0.50% · 4.625%
HK$26,453
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,870/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,103
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,803
−HK$711/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$28,964
+HK$1,450/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,157
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,033
−HK$889/mo
Today · 4.125%
HK$29,922
baseline
▲ 0.50% · 4.625%
HK$31,743
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,844/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,324
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,164
−HK$852/mo
Today · 4.125%
HK$33,016
baseline
▲ 0.50% · 4.625%
HK$34,757
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,032/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,849
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,871
−HK$1,038/mo
Today · 4.125%
HK$34,909
baseline
▲ 0.50% · 4.625%
HK$37,034
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,818/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,545
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,525
−HK$994/mo
Today · 4.125%
HK$38,519
baseline
▲ 0.50% · 4.625%
HK$40,550
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,038/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,235
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,549
−HK$1,335/mo
Today · 4.125%
HK$44,884
baseline
▲ 0.50% · 4.625%
HK$47,615
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,768/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,986
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,246
−HK$1,279/mo
Today · 4.125%
HK$49,525
baseline
▲ 0.50% · 4.625%
HK$52,135
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,050/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,877 · Scale 2, in force from 26 Feb 2026)