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$23,511
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,242
−HK$743/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,506
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,156
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,857
−HK$712/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,022
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,213
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,091
−HK$891/mo
Today · 4.125%
HK$29,982
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,825/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,964/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,387
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,229
−HK$854/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$34,826
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,915
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,939
−HK$1,041/mo
Today · 4.125%
HK$34,980
baseline
▲ 0.50% · 4.625%
HK$37,108
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,960/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,618
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$996/mo
Today · 4.125%
HK$38,596
baseline
▲ 0.50% · 4.625%
HK$40,631
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,192/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,320
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,636
−HK$1,338/mo
Today · 4.125%
HK$44,974
baseline
▲ 0.50% · 4.625%
HK$47,710
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,948/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,080
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,343
−HK$1,281/mo
Today · 4.125%
HK$49,624
baseline
▲ 0.50% · 4.625%
HK$52,240
+HK$2,616/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,248/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,651 · Scale 2, in force from 26 Feb 2026)