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$23,476
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,206
−HK$742/mo
Today · 4.125%
HK$24,948
baseline
▲ 0.50% · 4.625%
HK$26,466
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,896/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,117
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,817
−HK$711/mo
Today · 4.125%
HK$27,528
baseline
▲ 0.50% · 4.625%
HK$28,979
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,056/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,171
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,047
−HK$891/mo
Today · 4.125%
HK$29,938
baseline
▲ 0.50% · 4.625%
HK$31,759
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,876/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,340
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,180
−HK$853/mo
Today · 4.125%
HK$33,033
baseline
▲ 0.50% · 4.625%
HK$34,774
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,066/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,888
−HK$1,039/mo
Today · 4.125%
HK$34,927
baseline
▲ 0.50% · 4.625%
HK$37,052
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,854/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,563
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,544
−HK$995/mo
Today · 4.125%
HK$38,539
baseline
▲ 0.50% · 4.625%
HK$40,570
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,078/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,256
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,571
−HK$1,335/mo
Today · 4.125%
HK$44,906
baseline
▲ 0.50% · 4.625%
HK$47,639
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,812/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,010
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,271
−HK$1,279/mo
Today · 4.125%
HK$49,550
baseline
▲ 0.50% · 4.625%
HK$52,162
+HK$2,612/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,100/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,072 · Scale 2, in force from 26 Feb 2026)