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$23,486
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,217
−HK$742/mo
Today · 4.125%
HK$24,959
baseline
▲ 0.50% · 4.625%
HK$26,478
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,918/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,128
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,829
−HK$711/mo
Today · 4.125%
HK$27,540
baseline
▲ 0.50% · 4.625%
HK$28,991
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,080/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,183
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,060
−HK$891/mo
Today · 4.125%
HK$29,951
baseline
▲ 0.50% · 4.625%
HK$31,773
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,902/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,354
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,194
−HK$854/mo
Today · 4.125%
HK$33,048
baseline
▲ 0.50% · 4.625%
HK$34,790
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,096/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,880
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,903
−HK$1,039/mo
Today · 4.125%
HK$34,942
baseline
▲ 0.50% · 4.625%
HK$37,069
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,884/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,579
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,560
−HK$995/mo
Today · 4.125%
HK$38,555
baseline
▲ 0.50% · 4.625%
HK$40,588
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,110/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,275
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,590
−HK$1,336/mo
Today · 4.125%
HK$44,926
baseline
▲ 0.50% · 4.625%
HK$47,660
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,852/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,030
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,292
−HK$1,279/mo
Today · 4.125%
HK$49,571
baseline
▲ 0.50% · 4.625%
HK$52,184
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,142/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,241 · Scale 2, in force from 26 Feb 2026)