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$23,499
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,230
−HK$743/mo
Today · 4.125%
HK$24,973
baseline
▲ 0.50% · 4.625%
HK$26,492
+HK$1,519/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,946/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,143
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,844
−HK$711/mo
Today · 4.125%
HK$27,555
baseline
▲ 0.50% · 4.625%
HK$29,008
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,110/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,199
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,076
−HK$891/mo
Today · 4.125%
HK$29,967
baseline
▲ 0.50% · 4.625%
HK$31,791
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,934/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,371
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,213
−HK$853/mo
Today · 4.125%
HK$33,066
baseline
▲ 0.50% · 4.625%
HK$34,809
+HK$1,743/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,132/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,899
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,922
−HK$1,040/mo
Today · 4.125%
HK$34,962
baseline
▲ 0.50% · 4.625%
HK$37,089
+HK$2,127/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,924/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,600
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,581
−HK$996/mo
Today · 4.125%
HK$38,577
baseline
▲ 0.50% · 4.625%
HK$40,611
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,154/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,299
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,614
−HK$1,337/mo
Today · 4.125%
HK$44,951
baseline
▲ 0.50% · 4.625%
HK$47,686
+HK$2,735/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$89,902/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,057
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,319
−HK$1,280/mo
Today · 4.125%
HK$49,599
baseline
▲ 0.50% · 4.625%
HK$52,214
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.27M · min. income ≈ HK$99,198/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,457 · Scale 2, in force from 26 Feb 2026)