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$23,483
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,213
−HK$742/mo
Today · 4.125%
HK$24,955
baseline
▲ 0.50% · 4.625%
HK$26,474
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,910/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,124
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,825
−HK$711/mo
Today · 4.125%
HK$27,536
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,072/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,179
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,056
−HK$890/mo
Today · 4.125%
HK$29,946
baseline
▲ 0.50% · 4.625%
HK$31,768
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,892/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,349
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,190
−HK$853/mo
Today · 4.125%
HK$33,043
baseline
▲ 0.50% · 4.625%
HK$34,784
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,086/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,876
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,898
−HK$1,039/mo
Today · 4.125%
HK$34,937
baseline
▲ 0.50% · 4.625%
HK$37,063
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,874/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,574
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,555
−HK$995/mo
Today · 4.125%
HK$38,550
baseline
▲ 0.50% · 4.625%
HK$40,582
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,100/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,269
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,336/mo
Today · 4.125%
HK$44,919
baseline
▲ 0.50% · 4.625%
HK$47,653
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,838/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,023
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,285
−HK$1,279/mo
Today · 4.125%
HK$49,564
baseline
▲ 0.50% · 4.625%
HK$52,177
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,128/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,184 · Scale 2, in force from 26 Feb 2026)