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$23,469
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,199
−HK$741/mo
Today · 4.125%
HK$24,940
baseline
▲ 0.50% · 4.625%
HK$26,458
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,880/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,109
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,809
−HK$710/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$28,970
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,163
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,039
−HK$890/mo
Today · 4.125%
HK$29,929
baseline
▲ 0.50% · 4.625%
HK$31,750
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,858/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,331
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,171
−HK$852/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$34,764
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,856
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,878
−HK$1,039/mo
Today · 4.125%
HK$34,917
baseline
▲ 0.50% · 4.625%
HK$37,041
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,834/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,552
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,533
−HK$994/mo
Today · 4.125%
HK$38,527
baseline
▲ 0.50% · 4.625%
HK$40,558
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,054/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,244
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,558
−HK$1,335/mo
Today · 4.125%
HK$44,893
baseline
▲ 0.50% · 4.625%
HK$47,624
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,786/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,996
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,256
−HK$1,279/mo
Today · 4.125%
HK$49,535
baseline
▲ 0.50% · 4.625%
HK$52,146
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,070/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,956 · Scale 2, in force from 26 Feb 2026)