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$23,513
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,245
−HK$743/mo
Today · 4.125%
HK$24,988
baseline
▲ 0.50% · 4.625%
HK$26,508
+HK$1,520/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,976/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,158
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,860
−HK$711/mo
Today · 4.125%
HK$27,571
baseline
▲ 0.50% · 4.625%
HK$29,025
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,142/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,216
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$892/mo
Today · 4.125%
HK$29,985
baseline
▲ 0.50% · 4.625%
HK$31,810
+HK$1,825/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,970/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,390
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,232
−HK$854/mo
Today · 4.125%
HK$33,086
baseline
▲ 0.50% · 4.625%
HK$34,830
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,172/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,918
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,942
−HK$1,041/mo
Today · 4.125%
HK$34,983
baseline
▲ 0.50% · 4.625%
HK$37,111
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,966/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,621
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,604
−HK$996/mo
Today · 4.125%
HK$38,600
baseline
▲ 0.50% · 4.625%
HK$40,635
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,200/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,324
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,640
−HK$1,338/mo
Today · 4.125%
HK$44,978
baseline
▲ 0.50% · 4.625%
HK$47,715
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,956/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,085
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,347
−HK$1,281/mo
Today · 4.125%
HK$49,628
baseline
▲ 0.50% · 4.625%
HK$52,244
+HK$2,616/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,256/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,686 · Scale 2, in force from 26 Feb 2026)