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$23,468
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$742/mo
Today · 4.125%
HK$24,940
baseline
▲ 0.50% · 4.625%
HK$26,457
+HK$1,517/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,880/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,108
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$711/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$28,969
+HK$1,450/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,162
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,038
−HK$890/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,330
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$852/mo
Today · 4.125%
HK$33,022
baseline
▲ 0.50% · 4.625%
HK$34,763
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,044/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,855
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,877
−HK$1,039/mo
Today · 4.125%
HK$34,916
baseline
▲ 0.50% · 4.625%
HK$37,040
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,832/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,551
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,532
−HK$994/mo
Today · 4.125%
HK$38,526
baseline
▲ 0.50% · 4.625%
HK$40,557
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,052/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,243
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,557
−HK$1,335/mo
Today · 4.125%
HK$44,892
baseline
▲ 0.50% · 4.625%
HK$47,623
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,784/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,995
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,255
−HK$1,278/mo
Today · 4.125%
HK$49,533
baseline
▲ 0.50% · 4.625%
HK$52,144
+HK$2,611/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,066/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,946 · Scale 2, in force from 26 Feb 2026)