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$23,476
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,207
−HK$742/mo
Today · 4.125%
HK$24,949
baseline
▲ 0.50% · 4.625%
HK$26,467
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,898/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,117
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$710/mo
Today · 4.125%
HK$27,528
baseline
▲ 0.50% · 4.625%
HK$28,979
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,056/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,172
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,048
−HK$890/mo
Today · 4.125%
HK$29,938
baseline
▲ 0.50% · 4.625%
HK$31,760
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,876/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,341
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,181
−HK$853/mo
Today · 4.125%
HK$33,034
baseline
▲ 0.50% · 4.625%
HK$34,775
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,068/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,867
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,889
−HK$1,039/mo
Today · 4.125%
HK$34,928
baseline
▲ 0.50% · 4.625%
HK$37,053
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,856/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,564
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,545
−HK$995/mo
Today · 4.125%
HK$38,540
baseline
▲ 0.50% · 4.625%
HK$40,571
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,080/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,258
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,572
−HK$1,335/mo
Today · 4.125%
HK$44,907
baseline
▲ 0.50% · 4.625%
HK$47,640
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,814/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,011
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,272
−HK$1,279/mo
Today · 4.125%
HK$49,551
baseline
▲ 0.50% · 4.625%
HK$52,163
+HK$2,612/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,102/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,082 · Scale 2, in force from 26 Feb 2026)