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$23,522
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,254
−HK$743/mo
Today · 4.125%
HK$24,997
baseline
▲ 0.50% · 4.625%
HK$26,518
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,994/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,168
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,870
−HK$712/mo
Today · 4.125%
HK$27,582
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,164/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,226
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,104
−HK$892/mo
Today · 4.125%
HK$29,996
baseline
▲ 0.50% · 4.625%
HK$31,822
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,992/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,401
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,244
−HK$854/mo
Today · 4.125%
HK$33,098
baseline
▲ 0.50% · 4.625%
HK$34,843
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,196/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,931
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,955
−HK$1,041/mo
Today · 4.125%
HK$34,996
baseline
▲ 0.50% · 4.625%
HK$37,125
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,992/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,635
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,618
−HK$996/mo
Today · 4.125%
HK$38,614
baseline
▲ 0.50% · 4.625%
HK$40,650
+HK$2,036/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,228/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,339
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,656
−HK$1,339/mo
Today · 4.125%
HK$44,995
baseline
▲ 0.50% · 4.625%
HK$47,732
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,990/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,102
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,365
−HK$1,282/mo
Today · 4.125%
HK$49,647
baseline
▲ 0.50% · 4.625%
HK$52,264
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,294/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,831 · Scale 2, in force from 26 Feb 2026)