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$23,479
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,210
−HK$742/mo
Today · 4.125%
HK$24,952
baseline
▲ 0.50% · 4.625%
HK$26,470
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,904/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,120
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,821
−HK$711/mo
Today · 4.125%
HK$27,532
baseline
▲ 0.50% · 4.625%
HK$28,983
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,064/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,175
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$891/mo
Today · 4.125%
HK$29,942
baseline
▲ 0.50% · 4.625%
HK$31,764
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,884/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,344
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,185
−HK$853/mo
Today · 4.125%
HK$33,038
baseline
▲ 0.50% · 4.625%
HK$34,779
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,076/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,871
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,893
−HK$1,039/mo
Today · 4.125%
HK$34,932
baseline
▲ 0.50% · 4.625%
HK$37,058
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,864/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,569
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,549
−HK$995/mo
Today · 4.125%
HK$38,544
baseline
▲ 0.50% · 4.625%
HK$40,576
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,088/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,263
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,577
−HK$1,336/mo
Today · 4.125%
HK$44,913
baseline
▲ 0.50% · 4.625%
HK$47,646
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,826/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,017
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,278
−HK$1,279/mo
Today · 4.125%
HK$49,557
baseline
▲ 0.50% · 4.625%
HK$52,169
+HK$2,612/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,114/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,128 · Scale 2, in force from 26 Feb 2026)