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$23,519
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$744/mo
Today · 4.125%
HK$24,994
baseline
▲ 0.50% · 4.625%
HK$26,514
+HK$1,520/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,988/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,164
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,866
−HK$712/mo
Today · 4.125%
HK$27,578
baseline
▲ 0.50% · 4.625%
HK$29,032
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,156/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,223
−HK$1,769/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$386,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,397
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,239
−HK$855/mo
Today · 4.125%
HK$33,094
baseline
▲ 0.50% · 4.625%
HK$34,838
+HK$1,744/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,188/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,926
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,951
−HK$1,040/mo
Today · 4.125%
HK$34,991
baseline
▲ 0.50% · 4.625%
HK$37,120
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,982/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,630
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,613
−HK$996/mo
Today · 4.125%
HK$38,609
baseline
▲ 0.50% · 4.625%
HK$40,644
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,218/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,334
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,651
−HK$1,338/mo
Today · 4.125%
HK$44,989
baseline
▲ 0.50% · 4.625%
HK$47,726
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,978/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,096
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,359
−HK$1,282/mo
Today · 4.125%
HK$49,641
baseline
▲ 0.50% · 4.625%
HK$52,257
+HK$2,616/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,282/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,780 · Scale 2, in force from 26 Feb 2026)