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$23,520
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,252
−HK$743/mo
Today · 4.125%
HK$24,995
baseline
▲ 0.50% · 4.625%
HK$26,516
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,990/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,166
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,868
−HK$712/mo
Today · 4.125%
HK$27,580
baseline
▲ 0.50% · 4.625%
HK$29,034
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,160/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,225
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,103
−HK$892/mo
Today · 4.125%
HK$29,995
baseline
▲ 0.50% · 4.625%
HK$31,820
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,990/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,400
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$854/mo
Today · 4.125%
HK$33,096
baseline
▲ 0.50% · 4.625%
HK$34,841
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,192/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,929
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,953
−HK$1,041/mo
Today · 4.125%
HK$34,994
baseline
▲ 0.50% · 4.625%
HK$37,123
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,988/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,633
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,615
−HK$997/mo
Today · 4.125%
HK$38,612
baseline
▲ 0.50% · 4.625%
HK$40,647
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,224/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,337
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,654
−HK$1,338/mo
Today · 4.125%
HK$44,992
baseline
▲ 0.50% · 4.625%
HK$47,729
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,984/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,099
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,363
−HK$1,281/mo
Today · 4.125%
HK$49,644
baseline
▲ 0.50% · 4.625%
HK$52,261
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,288/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,807 · Scale 2, in force from 26 Feb 2026)