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$23,481
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,212
−HK$742/mo
Today · 4.125%
HK$24,954
baseline
▲ 0.50% · 4.625%
HK$26,472
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,908/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,123
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,823
−HK$711/mo
Today · 4.125%
HK$27,534
baseline
▲ 0.50% · 4.625%
HK$28,985
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,068/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,177
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,054
−HK$890/mo
Today · 4.125%
HK$29,944
baseline
▲ 0.50% · 4.625%
HK$31,766
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,888/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,347
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,188
−HK$853/mo
Today · 4.125%
HK$33,041
baseline
▲ 0.50% · 4.625%
HK$34,782
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,082/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,874
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,896
−HK$1,039/mo
Today · 4.125%
HK$34,935
baseline
▲ 0.50% · 4.625%
HK$37,061
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,870/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,572
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,552
−HK$996/mo
Today · 4.125%
HK$38,548
baseline
▲ 0.50% · 4.625%
HK$40,579
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,096/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,266
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,581
−HK$1,336/mo
Today · 4.125%
HK$44,917
baseline
▲ 0.50% · 4.625%
HK$47,650
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,834/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,021
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,282
−HK$1,279/mo
Today · 4.125%
HK$49,561
baseline
▲ 0.50% · 4.625%
HK$52,174
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,122/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,161 · Scale 2, in force from 26 Feb 2026)