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$23,515
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,247
−HK$743/mo
Today · 4.125%
HK$24,990
baseline
▲ 0.50% · 4.625%
HK$26,511
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,980/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,161
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,862
−HK$712/mo
Today · 4.125%
HK$27,574
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,148/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,219
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,096
−HK$892/mo
Today · 4.125%
HK$29,988
baseline
▲ 0.50% · 4.625%
HK$31,813
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,976/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,393
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,235
−HK$854/mo
Today · 4.125%
HK$33,089
baseline
▲ 0.50% · 4.625%
HK$34,833
+HK$1,744/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,178/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,922
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,946
−HK$1,040/mo
Today · 4.125%
HK$34,986
baseline
▲ 0.50% · 4.625%
HK$37,115
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,972/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,625
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,607
−HK$997/mo
Today · 4.125%
HK$38,604
baseline
▲ 0.50% · 4.625%
HK$40,639
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,208/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,328
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,644
−HK$1,338/mo
Today · 4.125%
HK$44,982
baseline
▲ 0.50% · 4.625%
HK$47,719
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,964/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,089
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,352
−HK$1,281/mo
Today · 4.125%
HK$49,633
baseline
▲ 0.50% · 4.625%
HK$52,250
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,266/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,724 · Scale 2, in force from 26 Feb 2026)