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$23,482
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,213
−HK$742/mo
Today · 4.125%
HK$24,955
baseline
▲ 0.50% · 4.625%
HK$26,473
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,910/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,124
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,824
−HK$711/mo
Today · 4.125%
HK$27,535
baseline
▲ 0.50% · 4.625%
HK$28,986
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,070/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,179
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,055
−HK$891/mo
Today · 4.125%
HK$29,946
baseline
▲ 0.50% · 4.625%
HK$31,768
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,892/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,189
−HK$853/mo
Today · 4.125%
HK$33,042
baseline
▲ 0.50% · 4.625%
HK$34,784
+HK$1,742/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,084/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,875
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,898
−HK$1,039/mo
Today · 4.125%
HK$34,937
baseline
▲ 0.50% · 4.625%
HK$37,062
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,874/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,573
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,554
−HK$995/mo
Today · 4.125%
HK$38,549
baseline
▲ 0.50% · 4.625%
HK$40,581
+HK$2,032/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,098/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,268
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,336/mo
Today · 4.125%
HK$44,919
baseline
▲ 0.50% · 4.625%
HK$47,652
+HK$2,733/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,838/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,023
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,284
−HK$1,279/mo
Today · 4.125%
HK$49,563
baseline
▲ 0.50% · 4.625%
HK$52,176
+HK$2,613/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,126/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,177 · Scale 2, in force from 26 Feb 2026)