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$23,492
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,223
−HK$742/mo
Today · 4.125%
HK$24,965
baseline
▲ 0.50% · 4.625%
HK$26,484
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,930/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,135
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,836
−HK$711/mo
Today · 4.125%
HK$27,547
baseline
▲ 0.50% · 4.625%
HK$28,999
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,094/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,190
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$891/mo
Today · 4.125%
HK$29,958
baseline
▲ 0.50% · 4.625%
HK$31,781
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,916/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,362
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,203
−HK$853/mo
Today · 4.125%
HK$33,056
baseline
▲ 0.50% · 4.625%
HK$34,798
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,112/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,889
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,912
−HK$1,039/mo
Today · 4.125%
HK$34,951
baseline
▲ 0.50% · 4.625%
HK$37,078
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,902/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,589
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,570
−HK$995/mo
Today · 4.125%
HK$38,565
baseline
▲ 0.50% · 4.625%
HK$40,598
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,130/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,286
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,601
−HK$1,336/mo
Today · 4.125%
HK$44,937
baseline
▲ 0.50% · 4.625%
HK$47,672
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,874/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,042
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,304
−HK$1,280/mo
Today · 4.125%
HK$49,584
baseline
▲ 0.50% · 4.625%
HK$52,198
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,168/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,339 · Scale 2, in force from 26 Feb 2026)