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$23,502
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$742/mo
Today · 4.125%
HK$24,975
baseline
▲ 0.50% · 4.625%
HK$26,495
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,950/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$712/mo
Today · 4.125%
HK$27,558
baseline
▲ 0.50% · 4.625%
HK$29,010
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,116/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,202
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,079
−HK$891/mo
Today · 4.125%
HK$29,970
baseline
▲ 0.50% · 4.625%
HK$31,794
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,940/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,216
−HK$853/mo
Today · 4.125%
HK$33,069
baseline
▲ 0.50% · 4.625%
HK$34,812
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,138/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,902
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,926
−HK$1,039/mo
Today · 4.125%
HK$34,965
baseline
▲ 0.50% · 4.625%
HK$37,093
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,930/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,603
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,585
−HK$996/mo
Today · 4.125%
HK$38,581
baseline
▲ 0.50% · 4.625%
HK$40,615
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,162/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,303
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,619
−HK$1,337/mo
Today · 4.125%
HK$44,956
baseline
▲ 0.50% · 4.625%
HK$47,691
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,912/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,061
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,324
−HK$1,280/mo
Today · 4.125%
HK$49,604
baseline
▲ 0.50% · 4.625%
HK$52,219
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,208/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,496 · Scale 2, in force from 26 Feb 2026)