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$23,464
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,194
−HK$742/mo
Today · 4.125%
HK$24,936
baseline
▲ 0.50% · 4.625%
HK$26,453
+HK$1,517/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,872/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,104
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,804
−HK$710/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$28,964
+HK$1,450/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,157
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,033
−HK$890/mo
Today · 4.125%
HK$29,923
baseline
▲ 0.50% · 4.625%
HK$31,744
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,846/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,325
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,165
−HK$852/mo
Today · 4.125%
HK$33,017
baseline
▲ 0.50% · 4.625%
HK$34,757
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,034/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,850
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$1,038/mo
Today · 4.125%
HK$34,910
baseline
▲ 0.50% · 4.625%
HK$37,034
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,820/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,545
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,525
−HK$995/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,550
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,236
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,549
−HK$1,335/mo
Today · 4.125%
HK$44,884
baseline
▲ 0.50% · 4.625%
HK$47,615
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,768/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,987
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,247
−HK$1,278/mo
Today · 4.125%
HK$49,525
baseline
▲ 0.50% · 4.625%
HK$52,136
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,050/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,883 · Scale 2, in force from 26 Feb 2026)