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$23,479
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$742/mo
Today · 4.125%
HK$24,951
baseline
▲ 0.50% · 4.625%
HK$26,470
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,902/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,120
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,821
−HK$710/mo
Today · 4.125%
HK$27,531
baseline
▲ 0.50% · 4.625%
HK$28,983
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,062/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,175
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$891/mo
Today · 4.125%
HK$29,942
baseline
▲ 0.50% · 4.625%
HK$31,764
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,884/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,344
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,185
−HK$853/mo
Today · 4.125%
HK$33,038
baseline
▲ 0.50% · 4.625%
HK$34,779
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,076/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,871
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,893
−HK$1,039/mo
Today · 4.125%
HK$34,932
baseline
▲ 0.50% · 4.625%
HK$37,057
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,864/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,568
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,549
−HK$995/mo
Today · 4.125%
HK$38,544
baseline
▲ 0.50% · 4.625%
HK$40,576
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,088/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,262
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,577
−HK$1,335/mo
Today · 4.125%
HK$44,912
baseline
▲ 0.50% · 4.625%
HK$47,645
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,824/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,016
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,277
−HK$1,279/mo
Today · 4.125%
HK$49,556
baseline
▲ 0.50% · 4.625%
HK$52,169
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,112/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,125 · Scale 2, in force from 26 Feb 2026)