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$23,494
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,225
−HK$742/mo
Today · 4.125%
HK$24,967
baseline
▲ 0.50% · 4.625%
HK$26,486
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,934/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,137
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,838
−HK$711/mo
Today · 4.125%
HK$27,549
baseline
▲ 0.50% · 4.625%
HK$29,001
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,098/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,193
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,070
−HK$891/mo
Today · 4.125%
HK$29,961
baseline
▲ 0.50% · 4.625%
HK$31,784
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,922/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,364
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,205
−HK$854/mo
Today · 4.125%
HK$33,059
baseline
▲ 0.50% · 4.625%
HK$34,801
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,118/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,892
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,915
−HK$1,039/mo
Today · 4.125%
HK$34,954
baseline
▲ 0.50% · 4.625%
HK$37,081
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,908/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,591
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,573
−HK$995/mo
Today · 4.125%
HK$38,568
baseline
▲ 0.50% · 4.625%
HK$40,601
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,136/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,289
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,605
−HK$1,336/mo
Today · 4.125%
HK$44,941
baseline
▲ 0.50% · 4.625%
HK$47,676
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,882/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,046
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,308
−HK$1,280/mo
Today · 4.125%
HK$49,588
baseline
▲ 0.50% · 4.625%
HK$52,202
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,176/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,370 · Scale 2, in force from 26 Feb 2026)