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$1,473/mo
▼ 0.25% · 3.875%
HK$24,226
−HK$743/mo
Today · 4.125%
HK$24,969
baseline
▲ 0.50% · 4.625%
HK$26,488
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,938/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,139
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,840
−HK$711/mo
Today · 4.125%
HK$27,551
baseline
▲ 0.50% · 4.625%
HK$29,003
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,102/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,195
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$891/mo
Today · 4.125%
HK$29,963
baseline
▲ 0.50% · 4.625%
HK$31,786
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,926/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,366
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,208
−HK$853/mo
Today · 4.125%
HK$33,061
baseline
▲ 0.50% · 4.625%
HK$34,804
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,122/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,894
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,917
−HK$1,040/mo
Today · 4.125%
HK$34,957
baseline
▲ 0.50% · 4.625%
HK$37,084
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,914/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,594
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,576
−HK$995/mo
Today · 4.125%
HK$38,571
baseline
▲ 0.50% · 4.625%
HK$40,604
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,142/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,292
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,608
−HK$1,336/mo
Today · 4.125%
HK$44,944
baseline
▲ 0.50% · 4.625%
HK$47,679
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,888/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,050
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,311
−HK$1,281/mo
Today · 4.125%
HK$49,592
baseline
▲ 0.50% · 4.625%
HK$52,206
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,184/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,399 · Scale 2, in force from 26 Feb 2026)