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$23,510
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,242
−HK$743/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,520/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$386,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,155
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,857
−HK$711/mo
Today · 4.125%
HK$27,568
baseline
▲ 0.50% · 4.625%
HK$29,021
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,136/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,212
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,090
−HK$892/mo
Today · 4.125%
HK$29,982
baseline
▲ 0.50% · 4.625%
HK$31,806
+HK$1,824/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$386,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,386
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,228
−HK$854/mo
Today · 4.125%
HK$33,082
baseline
▲ 0.50% · 4.625%
HK$34,826
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,164/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,915
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,938
−HK$1,041/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$37,107
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,617
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,599
−HK$996/mo
Today · 4.125%
HK$38,595
baseline
▲ 0.50% · 4.625%
HK$40,630
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,190/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,319
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,635
−HK$1,337/mo
Today · 4.125%
HK$44,972
baseline
▲ 0.50% · 4.625%
HK$47,709
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,944/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,079
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,342
−HK$1,281/mo
Today · 4.125%
HK$49,623
baseline
▲ 0.50% · 4.625%
HK$52,238
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,246/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,641 · Scale 2, in force from 26 Feb 2026)