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$23,522
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,253
−HK$744/mo
Today · 4.125%
HK$24,997
baseline
▲ 0.50% · 4.625%
HK$26,518
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,994/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,168
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,869
−HK$712/mo
Today · 4.125%
HK$27,581
baseline
▲ 0.50% · 4.625%
HK$29,035
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,162/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,226
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,104
−HK$892/mo
Today · 4.125%
HK$29,996
baseline
▲ 0.50% · 4.625%
HK$31,821
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,992/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,401
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,243
−HK$855/mo
Today · 4.125%
HK$33,098
baseline
▲ 0.50% · 4.625%
HK$34,842
+HK$1,744/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,196/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,930
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,955
−HK$1,040/mo
Today · 4.125%
HK$34,995
baseline
▲ 0.50% · 4.625%
HK$37,125
+HK$2,130/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,990/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,635
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,617
−HK$997/mo
Today · 4.125%
HK$38,614
baseline
▲ 0.50% · 4.625%
HK$40,649
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,228/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,339
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,656
−HK$1,338/mo
Today · 4.125%
HK$44,994
baseline
▲ 0.50% · 4.625%
HK$47,732
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,988/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,102
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,365
−HK$1,281/mo
Today · 4.125%
HK$49,646
baseline
▲ 0.50% · 4.625%
HK$52,263
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,292/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,825 · Scale 2, in force from 26 Feb 2026)