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$23,475
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,205
−HK$742/mo
Today · 4.125%
HK$24,947
baseline
▲ 0.50% · 4.625%
HK$26,465
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,894/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,115
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,816
−HK$710/mo
Today · 4.125%
HK$27,526
baseline
▲ 0.50% · 4.625%
HK$28,977
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,052/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,169
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,046
−HK$890/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,757
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,338
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,179
−HK$852/mo
Today · 4.125%
HK$33,031
baseline
▲ 0.50% · 4.625%
HK$34,772
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,062/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,864
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,887
−HK$1,038/mo
Today · 4.125%
HK$34,925
baseline
▲ 0.50% · 4.625%
HK$37,050
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,850/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,561
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,542
−HK$995/mo
Today · 4.125%
HK$38,537
baseline
▲ 0.50% · 4.625%
HK$40,568
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,074/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,254
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,568
−HK$1,336/mo
Today · 4.125%
HK$44,904
baseline
▲ 0.50% · 4.625%
HK$47,636
+HK$2,732/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,808/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,007
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,268
−HK$1,279/mo
Today · 4.125%
HK$49,547
baseline
▲ 0.50% · 4.625%
HK$52,159
+HK$2,612/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,094/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,051 · Scale 2, in force from 26 Feb 2026)