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$23,503
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,234
−HK$743/mo
Today · 4.125%
HK$24,977
baseline
▲ 0.50% · 4.625%
HK$26,496
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,954/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,147
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,848
−HK$711/mo
Today · 4.125%
HK$27,559
baseline
▲ 0.50% · 4.625%
HK$29,012
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,118/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,203
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$891/mo
Today · 4.125%
HK$29,972
baseline
▲ 0.50% · 4.625%
HK$31,796
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,944/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,376
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$854/mo
Today · 4.125%
HK$33,071
baseline
▲ 0.50% · 4.625%
HK$34,814
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,142/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,904
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,927
−HK$1,040/mo
Today · 4.125%
HK$34,967
baseline
▲ 0.50% · 4.625%
HK$37,095
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,934/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,605
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,587
−HK$996/mo
Today · 4.125%
HK$38,583
baseline
▲ 0.50% · 4.625%
HK$40,617
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,166/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,305
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,621
−HK$1,337/mo
Today · 4.125%
HK$44,958
baseline
▲ 0.50% · 4.625%
HK$47,693
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,916/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,064
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,326
−HK$1,280/mo
Today · 4.125%
HK$49,606
baseline
▲ 0.50% · 4.625%
HK$52,221
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,212/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,515 · Scale 2, in force from 26 Feb 2026)