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$23,472
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,202
−HK$742/mo
Today · 4.125%
HK$24,944
baseline
▲ 0.50% · 4.625%
HK$26,462
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,888/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,112
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,813
−HK$710/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$28,974
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,166
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,042
−HK$891/mo
Today · 4.125%
HK$29,933
baseline
▲ 0.50% · 4.625%
HK$31,754
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,866/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,335
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,175
−HK$853/mo
Today · 4.125%
HK$33,028
baseline
▲ 0.50% · 4.625%
HK$34,769
+HK$1,741/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,056/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,861
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,883
−HK$1,038/mo
Today · 4.125%
HK$34,921
baseline
▲ 0.50% · 4.625%
HK$37,046
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,842/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,557
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,538
−HK$994/mo
Today · 4.125%
HK$38,532
baseline
▲ 0.50% · 4.625%
HK$40,563
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,064/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,249
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,564
−HK$1,335/mo
Today · 4.125%
HK$44,899
baseline
▲ 0.50% · 4.625%
HK$47,631
+HK$2,732/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,798/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,002
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,263
−HK$1,278/mo
Today · 4.125%
HK$49,541
baseline
▲ 0.50% · 4.625%
HK$52,153
+HK$2,612/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,082/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,008 · Scale 2, in force from 26 Feb 2026)