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$23,505
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,236
−HK$743/mo
Today · 4.125%
HK$24,979
baseline
▲ 0.50% · 4.625%
HK$26,499
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,958/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,149
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,850
−HK$711/mo
Today · 4.125%
HK$27,561
baseline
▲ 0.50% · 4.625%
HK$29,014
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,122/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,206
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$891/mo
Today · 4.125%
HK$29,974
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,948/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,378
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$854/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$34,817
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,907
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,930
−HK$1,040/mo
Today · 4.125%
HK$34,970
baseline
▲ 0.50% · 4.625%
HK$37,098
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,940/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,608
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,590
−HK$996/mo
Today · 4.125%
HK$38,586
baseline
▲ 0.50% · 4.625%
HK$40,620
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,172/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,308
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,624
−HK$1,338/mo
Today · 4.125%
HK$44,962
baseline
▲ 0.50% · 4.625%
HK$47,697
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,924/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,068
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,330
−HK$1,281/mo
Today · 4.125%
HK$49,611
baseline
▲ 0.50% · 4.625%
HK$52,226
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,222/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,547 · Scale 2, in force from 26 Feb 2026)