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$23,500
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,231
−HK$743/mo
Today · 4.125%
HK$24,974
baseline
▲ 0.50% · 4.625%
HK$26,494
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,948/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,144
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,845
−HK$711/mo
Today · 4.125%
HK$27,556
baseline
▲ 0.50% · 4.625%
HK$29,009
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,112/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,200
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$891/mo
Today · 4.125%
HK$29,969
baseline
▲ 0.50% · 4.625%
HK$31,792
+HK$1,823/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,938/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,373
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,214
−HK$854/mo
Today · 4.125%
HK$33,068
baseline
▲ 0.50% · 4.625%
HK$34,811
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,136/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,901
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,924
−HK$1,040/mo
Today · 4.125%
HK$34,964
baseline
▲ 0.50% · 4.625%
HK$37,091
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,928/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,601
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,583
−HK$996/mo
Today · 4.125%
HK$38,579
baseline
▲ 0.50% · 4.625%
HK$40,612
+HK$2,033/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,158/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,301
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,616
−HK$1,337/mo
Today · 4.125%
HK$44,953
baseline
▲ 0.50% · 4.625%
HK$47,689
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,906/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,059
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,321
−HK$1,281/mo
Today · 4.125%
HK$49,602
baseline
▲ 0.50% · 4.625%
HK$52,216
+HK$2,614/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,204/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,476 · Scale 2, in force from 26 Feb 2026)