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$23,473
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,203
−HK$742/mo
Today · 4.125%
HK$24,945
baseline
▲ 0.50% · 4.625%
HK$26,463
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,890/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,114
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,814
−HK$711/mo
Today · 4.125%
HK$27,525
baseline
▲ 0.50% · 4.625%
HK$28,975
+HK$1,450/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,050/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,168
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$890/mo
Today · 4.125%
HK$29,934
baseline
▲ 0.50% · 4.625%
HK$31,756
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,868/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,337
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,177
−HK$853/mo
Today · 4.125%
HK$33,030
baseline
▲ 0.50% · 4.625%
HK$34,771
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,060/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,863
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,885
−HK$1,038/mo
Today · 4.125%
HK$34,923
baseline
▲ 0.50% · 4.625%
HK$37,048
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,846/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,559
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,540
−HK$994/mo
Today · 4.125%
HK$38,534
baseline
▲ 0.50% · 4.625%
HK$40,566
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,068/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,252
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,566
−HK$1,335/mo
Today · 4.125%
HK$44,901
baseline
▲ 0.50% · 4.625%
HK$47,634
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,802/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,005
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,265
−HK$1,279/mo
Today · 4.125%
HK$49,544
baseline
▲ 0.50% · 4.625%
HK$52,156
+HK$2,612/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,088/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,030 · Scale 2, in force from 26 Feb 2026)