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$23,509
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$743/mo
Today · 4.125%
HK$24,983
baseline
▲ 0.50% · 4.625%
HK$26,503
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,966/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,153
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,855
−HK$711/mo
Today · 4.125%
HK$27,566
baseline
▲ 0.50% · 4.625%
HK$29,019
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,132/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,210
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,088
−HK$891/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,804
+HK$1,825/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,384
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,225
−HK$854/mo
Today · 4.125%
HK$33,079
baseline
▲ 0.50% · 4.625%
HK$34,823
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,158/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,912
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,936
−HK$1,040/mo
Today · 4.125%
HK$34,976
baseline
▲ 0.50% · 4.625%
HK$37,104
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,952/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,614
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,596
−HK$997/mo
Today · 4.125%
HK$38,593
baseline
▲ 0.50% · 4.625%
HK$40,627
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,186/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,316
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,632
−HK$1,337/mo
Today · 4.125%
HK$44,969
baseline
▲ 0.50% · 4.625%
HK$47,705
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,938/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,076
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,338
−HK$1,281/mo
Today · 4.125%
HK$49,619
baseline
▲ 0.50% · 4.625%
HK$52,234
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,238/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,612 · Scale 2, in force from 26 Feb 2026)