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$23,523
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,255
−HK$743/mo
Today · 4.125%
HK$24,998
baseline
▲ 0.50% · 4.625%
HK$26,519
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,996/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,169
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,871
−HK$712/mo
Today · 4.125%
HK$27,583
baseline
▲ 0.50% · 4.625%
HK$29,037
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,166/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,228
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,106
−HK$892/mo
Today · 4.125%
HK$29,998
baseline
▲ 0.50% · 4.625%
HK$31,823
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,996/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,403
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,245
−HK$855/mo
Today · 4.125%
HK$33,100
baseline
▲ 0.50% · 4.625%
HK$34,844
+HK$1,744/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,200/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,932
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,957
−HK$1,041/mo
Today · 4.125%
HK$34,998
baseline
▲ 0.50% · 4.625%
HK$37,127
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,996/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,637
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,620
−HK$996/mo
Today · 4.125%
HK$38,616
baseline
▲ 0.50% · 4.625%
HK$40,652
+HK$2,036/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,232/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,342
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,659
−HK$1,338/mo
Today · 4.125%
HK$44,997
baseline
▲ 0.50% · 4.625%
HK$47,735
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,994/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,105
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,368
−HK$1,282/mo
Today · 4.125%
HK$49,650
baseline
▲ 0.50% · 4.625%
HK$52,267
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,300/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,851 · Scale 2, in force from 26 Feb 2026)