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$23,467
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,197
−HK$742/mo
Today · 4.125%
HK$24,939
baseline
▲ 0.50% · 4.625%
HK$26,456
+HK$1,517/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,878/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,107
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,807
−HK$710/mo
Today · 4.125%
HK$27,517
baseline
▲ 0.50% · 4.625%
HK$28,968
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,034/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,160
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,036
−HK$890/mo
Today · 4.125%
HK$29,926
baseline
▲ 0.50% · 4.625%
HK$31,747
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,852/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,328
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$853/mo
Today · 4.125%
HK$33,021
baseline
▲ 0.50% · 4.625%
HK$34,761
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,042/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,854
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,876
−HK$1,038/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$37,039
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,550
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,530
−HK$994/mo
Today · 4.125%
HK$38,524
baseline
▲ 0.50% · 4.625%
HK$40,555
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,048/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,241
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,555
−HK$1,335/mo
Today · 4.125%
HK$44,890
baseline
▲ 0.50% · 4.625%
HK$47,621
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,780/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,992
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,253
−HK$1,278/mo
Today · 4.125%
HK$49,531
baseline
▲ 0.50% · 4.625%
HK$52,142
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,062/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,928 · Scale 2, in force from 26 Feb 2026)