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$23,492
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,222
−HK$743/mo
Today · 4.125%
HK$24,965
baseline
▲ 0.50% · 4.625%
HK$26,484
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,930/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,134
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,835
−HK$711/mo
Today · 4.125%
HK$27,546
baseline
▲ 0.50% · 4.625%
HK$28,998
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,092/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,190
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$891/mo
Today · 4.125%
HK$29,958
baseline
▲ 0.50% · 4.625%
HK$31,781
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,916/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,361
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,202
−HK$853/mo
Today · 4.125%
HK$33,055
baseline
▲ 0.50% · 4.625%
HK$34,798
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,110/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,888
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,911
−HK$1,040/mo
Today · 4.125%
HK$34,951
baseline
▲ 0.50% · 4.625%
HK$37,077
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,902/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,588
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,569
−HK$996/mo
Today · 4.125%
HK$38,565
baseline
▲ 0.50% · 4.625%
HK$40,598
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,130/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,285
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,600
−HK$1,337/mo
Today · 4.125%
HK$44,937
baseline
▲ 0.50% · 4.625%
HK$47,671
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,874/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,042
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,303
−HK$1,280/mo
Today · 4.125%
HK$49,583
baseline
▲ 0.50% · 4.625%
HK$52,197
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,166/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,333 · Scale 2, in force from 26 Feb 2026)