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$23,484
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,215
−HK$742/mo
Today · 4.125%
HK$24,957
baseline
▲ 0.50% · 4.625%
HK$26,476
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,914/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,126
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,827
−HK$711/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$28,989
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,076/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,181
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,058
−HK$891/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,771
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,352
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,192
−HK$853/mo
Today · 4.125%
HK$33,045
baseline
▲ 0.50% · 4.625%
HK$34,787
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,090/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,878
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,901
−HK$1,039/mo
Today · 4.125%
HK$34,940
baseline
▲ 0.50% · 4.625%
HK$37,066
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,880/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,577
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,558
−HK$995/mo
Today · 4.125%
HK$38,553
baseline
▲ 0.50% · 4.625%
HK$40,585
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,106/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,272
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,587
−HK$1,336/mo
Today · 4.125%
HK$44,923
baseline
▲ 0.50% · 4.625%
HK$47,656
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,846/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,027
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,289
−HK$1,279/mo
Today · 4.125%
HK$49,568
baseline
▲ 0.50% · 4.625%
HK$52,181
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,136/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,215 · Scale 2, in force from 26 Feb 2026)