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$23,514
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,245
−HK$743/mo
Today · 4.125%
HK$24,988
baseline
▲ 0.50% · 4.625%
HK$26,509
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,976/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,159
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,860
−HK$712/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,026
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,217
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,094
−HK$892/mo
Today · 4.125%
HK$29,986
baseline
▲ 0.50% · 4.625%
HK$31,811
+HK$1,825/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,972/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,391
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,233
−HK$854/mo
Today · 4.125%
HK$33,087
baseline
▲ 0.50% · 4.625%
HK$34,831
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,174/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,919
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,943
−HK$1,041/mo
Today · 4.125%
HK$34,984
baseline
▲ 0.50% · 4.625%
HK$37,112
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,968/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,622
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,605
−HK$996/mo
Today · 4.125%
HK$38,601
baseline
▲ 0.50% · 4.625%
HK$40,636
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,202/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,325
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,641
−HK$1,338/mo
Today · 4.125%
HK$44,979
baseline
▲ 0.50% · 4.625%
HK$47,716
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,958/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,086
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,349
−HK$1,281/mo
Today · 4.125%
HK$49,630
baseline
▲ 0.50% · 4.625%
HK$52,246
+HK$2,616/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,260/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,697 · Scale 2, in force from 26 Feb 2026)