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$23,495
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,226
−HK$742/mo
Today · 4.125%
HK$24,968
baseline
▲ 0.50% · 4.625%
HK$26,487
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,936/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,138
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,839
−HK$711/mo
Today · 4.125%
HK$27,550
baseline
▲ 0.50% · 4.625%
HK$29,002
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,100/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,194
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,071
−HK$891/mo
Today · 4.125%
HK$29,962
baseline
▲ 0.50% · 4.625%
HK$31,785
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,924/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,365
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,207
−HK$853/mo
Today · 4.125%
HK$33,060
baseline
▲ 0.50% · 4.625%
HK$34,803
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,120/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,893
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,916
−HK$1,040/mo
Today · 4.125%
HK$34,956
baseline
▲ 0.50% · 4.625%
HK$37,082
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,912/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,593
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,574
−HK$996/mo
Today · 4.125%
HK$38,570
baseline
▲ 0.50% · 4.625%
HK$40,603
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,140/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,291
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,606
−HK$1,337/mo
Today · 4.125%
HK$44,943
baseline
▲ 0.50% · 4.625%
HK$47,677
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,886/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,048
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,310
−HK$1,280/mo
Today · 4.125%
HK$49,590
baseline
▲ 0.50% · 4.625%
HK$52,204
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,180/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,386 · Scale 2, in force from 26 Feb 2026)