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$23,466
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,196
−HK$742/mo
Today · 4.125%
HK$24,938
baseline
▲ 0.50% · 4.625%
HK$26,455
+HK$1,517/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,876/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,106
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,806
−HK$710/mo
Today · 4.125%
HK$27,516
baseline
▲ 0.50% · 4.625%
HK$28,967
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,032/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,159
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,035
−HK$890/mo
Today · 4.125%
HK$29,925
baseline
▲ 0.50% · 4.625%
HK$31,746
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,850/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,327
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,167
−HK$852/mo
Today · 4.125%
HK$33,019
baseline
▲ 0.50% · 4.625%
HK$34,760
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,038/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,874
−HK$1,039/mo
Today · 4.125%
HK$34,913
baseline
▲ 0.50% · 4.625%
HK$37,037
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,826/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,548
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,528
−HK$995/mo
Today · 4.125%
HK$38,523
baseline
▲ 0.50% · 4.625%
HK$40,553
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,046/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,239
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,553
−HK$1,335/mo
Today · 4.125%
HK$44,888
baseline
▲ 0.50% · 4.625%
HK$47,619
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,776/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,990
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,251
−HK$1,278/mo
Today · 4.125%
HK$49,529
baseline
▲ 0.50% · 4.625%
HK$52,140
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,058/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,912 · Scale 2, in force from 26 Feb 2026)