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$23,519
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,251
−HK$743/mo
Today · 4.125%
HK$24,994
baseline
▲ 0.50% · 4.625%
HK$26,515
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,988/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,165
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,867
−HK$712/mo
Today · 4.125%
HK$27,579
baseline
▲ 0.50% · 4.625%
HK$29,032
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,158/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,223
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,101
−HK$892/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,818
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,398
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,240
−HK$854/mo
Today · 4.125%
HK$33,094
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,188/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,927
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,951
−HK$1,041/mo
Today · 4.125%
HK$34,992
baseline
▲ 0.50% · 4.625%
HK$37,121
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,984/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,631
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,613
−HK$997/mo
Today · 4.125%
HK$38,610
baseline
▲ 0.50% · 4.625%
HK$40,645
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,220/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,335
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,651
−HK$1,338/mo
Today · 4.125%
HK$44,989
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,978/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,097
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,360
−HK$1,281/mo
Today · 4.125%
HK$49,641
baseline
▲ 0.50% · 4.625%
HK$52,258
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,282/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,787 · Scale 2, in force from 26 Feb 2026)