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$23,517
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,248
−HK$744/mo
Today · 4.125%
HK$24,992
baseline
▲ 0.50% · 4.625%
HK$26,512
+HK$1,520/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,984/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,162
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,864
−HK$712/mo
Today · 4.125%
HK$27,576
baseline
▲ 0.50% · 4.625%
HK$29,029
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,152/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,220
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,098
−HK$892/mo
Today · 4.125%
HK$29,990
baseline
▲ 0.50% · 4.625%
HK$31,815
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,980/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,395
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$854/mo
Today · 4.125%
HK$33,091
baseline
▲ 0.50% · 4.625%
HK$34,835
+HK$1,744/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,182/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,924
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,948
−HK$1,040/mo
Today · 4.125%
HK$34,988
baseline
▲ 0.50% · 4.625%
HK$37,117
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,976/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,627
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,609
−HK$997/mo
Today · 4.125%
HK$38,606
baseline
▲ 0.50% · 4.625%
HK$40,641
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,212/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,330
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,647
−HK$1,338/mo
Today · 4.125%
HK$44,985
baseline
▲ 0.50% · 4.625%
HK$47,722
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,970/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,092
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,355
−HK$1,281/mo
Today · 4.125%
HK$49,636
baseline
▲ 0.50% · 4.625%
HK$52,253
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,272/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,747 · Scale 2, in force from 26 Feb 2026)