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$23,471
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,201
−HK$742/mo
Today · 4.125%
HK$24,943
baseline
▲ 0.50% · 4.625%
HK$26,461
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,886/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,111
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,812
−HK$710/mo
Today · 4.125%
HK$27,522
baseline
▲ 0.50% · 4.625%
HK$28,973
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,044/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,165
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,041
−HK$890/mo
Today · 4.125%
HK$29,931
baseline
▲ 0.50% · 4.625%
HK$31,753
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,862/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$852/mo
Today · 4.125%
HK$33,026
baseline
▲ 0.50% · 4.625%
HK$34,767
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,052/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,859
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,881
−HK$1,039/mo
Today · 4.125%
HK$34,920
baseline
▲ 0.50% · 4.625%
HK$37,045
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,840/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,556
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,536
−HK$995/mo
Today · 4.125%
HK$38,531
baseline
▲ 0.50% · 4.625%
HK$40,562
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,062/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,248
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,562
−HK$1,335/mo
Today · 4.125%
HK$44,897
baseline
▲ 0.50% · 4.625%
HK$47,629
+HK$2,732/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,794/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,000
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,261
−HK$1,279/mo
Today · 4.125%
HK$49,540
baseline
▲ 0.50% · 4.625%
HK$52,151
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,080/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,993 · Scale 2, in force from 26 Feb 2026)