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$23,485
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,216
−HK$742/mo
Today · 4.125%
HK$24,958
baseline
▲ 0.50% · 4.625%
HK$26,476
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,916/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,127
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$710/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$28,990
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,076/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,059
−HK$890/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,772
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,352
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,193
−HK$853/mo
Today · 4.125%
HK$33,046
baseline
▲ 0.50% · 4.625%
HK$34,788
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,092/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,879
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$1,039/mo
Today · 4.125%
HK$34,941
baseline
▲ 0.50% · 4.625%
HK$37,067
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,882/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,578
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,559
−HK$995/mo
Today · 4.125%
HK$38,554
baseline
▲ 0.50% · 4.625%
HK$40,586
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,108/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,273
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,588
−HK$1,336/mo
Today · 4.125%
HK$44,924
baseline
▲ 0.50% · 4.625%
HK$47,657
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,848/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,028
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,290
−HK$1,279/mo
Today · 4.125%
HK$49,569
baseline
▲ 0.50% · 4.625%
HK$52,182
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,138/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,224 · Scale 2, in force from 26 Feb 2026)