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$23,491
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,222
−HK$742/mo
Today · 4.125%
HK$24,964
baseline
▲ 0.50% · 4.625%
HK$26,483
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,928/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,134
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,834
−HK$711/mo
Today · 4.125%
HK$27,545
baseline
▲ 0.50% · 4.625%
HK$28,997
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,090/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,189
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,066
−HK$891/mo
Today · 4.125%
HK$29,957
baseline
▲ 0.50% · 4.625%
HK$31,780
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,914/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,360
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,201
−HK$854/mo
Today · 4.125%
HK$33,055
baseline
▲ 0.50% · 4.625%
HK$34,797
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,110/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,887
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,910
−HK$1,040/mo
Today · 4.125%
HK$34,950
baseline
▲ 0.50% · 4.625%
HK$37,076
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,900/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,587
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,568
−HK$996/mo
Today · 4.125%
HK$38,564
baseline
▲ 0.50% · 4.625%
HK$40,596
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,128/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,284
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,599
−HK$1,337/mo
Today · 4.125%
HK$44,936
baseline
▲ 0.50% · 4.625%
HK$47,670
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,872/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,040
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,302
−HK$1,280/mo
Today · 4.125%
HK$49,582
baseline
▲ 0.50% · 4.625%
HK$52,195
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,164/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,323 · Scale 2, in force from 26 Feb 2026)