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$23,490
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,221
−HK$742/mo
Today · 4.125%
HK$24,963
baseline
▲ 0.50% · 4.625%
HK$26,482
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,926/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,133
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,834
−HK$711/mo
Today · 4.125%
HK$27,545
baseline
▲ 0.50% · 4.625%
HK$28,997
+HK$1,452/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,090/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,188
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,065
−HK$891/mo
Today · 4.125%
HK$29,956
baseline
▲ 0.50% · 4.625%
HK$31,779
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,912/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,359
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,200
−HK$854/mo
Today · 4.125%
HK$33,054
baseline
▲ 0.50% · 4.625%
HK$34,796
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,108/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,886
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,909
−HK$1,040/mo
Today · 4.125%
HK$34,949
baseline
▲ 0.50% · 4.625%
HK$37,075
+HK$2,126/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,898/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,586
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,567
−HK$995/mo
Today · 4.125%
HK$38,562
baseline
▲ 0.50% · 4.625%
HK$40,595
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,124/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,283
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,598
−HK$1,336/mo
Today · 4.125%
HK$44,934
baseline
▲ 0.50% · 4.625%
HK$47,668
+HK$2,734/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,868/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,039
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,300
−HK$1,280/mo
Today · 4.125%
HK$49,580
baseline
▲ 0.50% · 4.625%
HK$52,194
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,160/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,311 · Scale 2, in force from 26 Feb 2026)