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$23,480
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,210
−HK$742/mo
Today · 4.125%
HK$24,952
baseline
▲ 0.50% · 4.625%
HK$26,471
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,904/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,121
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,822
−HK$710/mo
Today · 4.125%
HK$27,532
baseline
▲ 0.50% · 4.625%
HK$28,984
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,064/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,176
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,052
−HK$891/mo
Today · 4.125%
HK$29,943
baseline
▲ 0.50% · 4.625%
HK$31,765
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,886/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,345
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,186
−HK$853/mo
Today · 4.125%
HK$33,039
baseline
▲ 0.50% · 4.625%
HK$34,780
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,078/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,872
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,894
−HK$1,039/mo
Today · 4.125%
HK$34,933
baseline
▲ 0.50% · 4.625%
HK$37,059
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,866/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,570
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,550
−HK$995/mo
Today · 4.125%
HK$38,545
baseline
▲ 0.50% · 4.625%
HK$40,577
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,090/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,264
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,578
−HK$1,336/mo
Today · 4.125%
HK$44,914
baseline
▲ 0.50% · 4.625%
HK$47,647
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,828/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,018
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,279
−HK$1,279/mo
Today · 4.125%
HK$49,558
baseline
▲ 0.50% · 4.625%
HK$52,171
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,116/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,140 · Scale 2, in force from 26 Feb 2026)