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$23,465
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,195
−HK$742/mo
Today · 4.125%
HK$24,937
baseline
▲ 0.50% · 4.625%
HK$26,454
+HK$1,517/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,874/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,105
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,805
−HK$710/mo
Today · 4.125%
HK$27,515
baseline
▲ 0.50% · 4.625%
HK$28,965
+HK$1,450/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,030/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,158
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,034
−HK$890/mo
Today · 4.125%
HK$29,924
baseline
▲ 0.50% · 4.625%
HK$31,745
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,848/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,326
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,166
−HK$852/mo
Today · 4.125%
HK$33,018
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,036/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,851
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,873
−HK$1,038/mo
Today · 4.125%
HK$34,911
baseline
▲ 0.50% · 4.625%
HK$37,035
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,822/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,546
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,527
−HK$994/mo
Today · 4.125%
HK$38,521
baseline
▲ 0.50% · 4.625%
HK$40,551
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,042/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,237
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,551
−HK$1,335/mo
Today · 4.125%
HK$44,886
baseline
▲ 0.50% · 4.625%
HK$47,617
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,772/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,988
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,249
−HK$1,278/mo
Today · 4.125%
HK$49,527
baseline
▲ 0.50% · 4.625%
HK$52,138
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,054/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,895 · Scale 2, in force from 26 Feb 2026)