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$23,474
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,204
−HK$742/mo
Today · 4.125%
HK$24,946
baseline
▲ 0.50% · 4.625%
HK$26,464
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,892/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$386,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,115
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,815
−HK$711/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$386,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,169
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,045
−HK$890/mo
Today · 4.125%
HK$29,935
baseline
▲ 0.50% · 4.625%
HK$31,757
+HK$1,822/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,870/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$386,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,338
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,178
−HK$853/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$386,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,864
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,886
−HK$1,039/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$386,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,561
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,541
−HK$995/mo
Today · 4.125%
HK$38,536
baseline
▲ 0.50% · 4.625%
HK$40,567
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,072/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$386,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,253
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,568
−HK$1,335/mo
Today · 4.125%
HK$44,903
baseline
▲ 0.50% · 4.625%
HK$47,635
+HK$2,732/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,806/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,006
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,267
−HK$1,279/mo
Today · 4.125%
HK$49,546
baseline
▲ 0.50% · 4.625%
HK$52,158
+HK$2,612/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,092/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,044 · Scale 2, in force from 26 Feb 2026)