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$23,512
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,244
−HK$743/mo
Today · 4.125%
HK$24,987
baseline
▲ 0.50% · 4.625%
HK$26,507
+HK$1,520/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,974/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,157
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,859
−HK$711/mo
Today · 4.125%
HK$27,570
baseline
▲ 0.50% · 4.625%
HK$29,024
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,140/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,215
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,092
−HK$892/mo
Today · 4.125%
HK$29,984
baseline
▲ 0.50% · 4.625%
HK$31,809
+HK$1,825/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,968/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,389
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,230
−HK$854/mo
Today · 4.125%
HK$33,084
baseline
▲ 0.50% · 4.625%
HK$34,828
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,168/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,917
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,941
−HK$1,040/mo
Today · 4.125%
HK$34,981
baseline
▲ 0.50% · 4.625%
HK$37,110
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,962/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,620
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,602
−HK$997/mo
Today · 4.125%
HK$38,599
baseline
▲ 0.50% · 4.625%
HK$40,633
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,198/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,322
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,639
−HK$1,337/mo
Today · 4.125%
HK$44,976
baseline
▲ 0.50% · 4.625%
HK$47,713
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,952/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,083
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,346
−HK$1,281/mo
Today · 4.125%
HK$49,627
baseline
▲ 0.50% · 4.625%
HK$52,243
+HK$2,616/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,254/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,672 · Scale 2, in force from 26 Feb 2026)