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$23,496
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,227
−HK$743/mo
Today · 4.125%
HK$24,970
baseline
▲ 0.50% · 4.625%
HK$26,489
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,940/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,139
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,841
−HK$711/mo
Today · 4.125%
HK$27,552
baseline
▲ 0.50% · 4.625%
HK$29,004
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,104/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,196
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,073
−HK$891/mo
Today · 4.125%
HK$29,964
baseline
▲ 0.50% · 4.625%
HK$31,787
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,928/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,367
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,209
−HK$853/mo
Today · 4.125%
HK$33,062
baseline
▲ 0.50% · 4.625%
HK$34,805
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,124/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,895
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,918
−HK$1,040/mo
Today · 4.125%
HK$34,958
baseline
▲ 0.50% · 4.625%
HK$37,085
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,916/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,595
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,577
−HK$995/mo
Today · 4.125%
HK$38,572
baseline
▲ 0.50% · 4.625%
HK$40,606
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,144/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,293
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,609
−HK$1,337/mo
Today · 4.125%
HK$44,946
baseline
▲ 0.50% · 4.625%
HK$47,680
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,892/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,051
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,313
−HK$1,280/mo
Today · 4.125%
HK$49,593
baseline
▲ 0.50% · 4.625%
HK$52,207
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,186/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,410 · Scale 2, in force from 26 Feb 2026)