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$23,521
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,253
−HK$743/mo
Today · 4.125%
HK$24,996
baseline
▲ 0.50% · 4.625%
HK$26,517
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,992/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,167
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,869
−HK$712/mo
Today · 4.125%
HK$27,581
baseline
▲ 0.50% · 4.625%
HK$29,034
+HK$1,453/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$386,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,225
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,103
−HK$892/mo
Today · 4.125%
HK$29,995
baseline
▲ 0.50% · 4.625%
HK$31,820
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,990/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,400
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$855/mo
Today · 4.125%
HK$33,097
baseline
▲ 0.50% · 4.625%
HK$34,841
+HK$1,744/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,194/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,929
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,954
−HK$1,040/mo
Today · 4.125%
HK$34,994
baseline
▲ 0.50% · 4.625%
HK$37,124
+HK$2,130/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,988/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,634
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,616
−HK$997/mo
Today · 4.125%
HK$38,613
baseline
▲ 0.50% · 4.625%
HK$40,648
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,226/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,338
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,655
−HK$1,338/mo
Today · 4.125%
HK$44,993
baseline
▲ 0.50% · 4.625%
HK$47,731
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,986/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,100
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,364
−HK$1,281/mo
Today · 4.125%
HK$49,645
baseline
▲ 0.50% · 4.625%
HK$52,262
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,290/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,816 · Scale 2, in force from 26 Feb 2026)