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$23,507
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,238
−HK$743/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,501
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,853
−HK$711/mo
Today · 4.125%
HK$27,564
baseline
▲ 0.50% · 4.625%
HK$29,017
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,128/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,209
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,086
−HK$892/mo
Today · 4.125%
HK$29,978
baseline
▲ 0.50% · 4.625%
HK$31,802
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,956/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,382
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,224
−HK$853/mo
Today · 4.125%
HK$33,077
baseline
▲ 0.50% · 4.625%
HK$34,821
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,154/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,910
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,934
−HK$1,040/mo
Today · 4.125%
HK$34,974
baseline
▲ 0.50% · 4.625%
HK$37,102
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,948/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,612
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,594
−HK$996/mo
Today · 4.125%
HK$38,590
baseline
▲ 0.50% · 4.625%
HK$40,624
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,180/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,313
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,629
−HK$1,337/mo
Today · 4.125%
HK$44,966
baseline
▲ 0.50% · 4.625%
HK$47,703
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,932/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,073
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,335
−HK$1,281/mo
Today · 4.125%
HK$49,616
baseline
▲ 0.50% · 4.625%
HK$52,231
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,232/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,589 · Scale 2, in force from 26 Feb 2026)