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$23,508
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,239
−HK$743/mo
Today · 4.125%
HK$24,982
baseline
▲ 0.50% · 4.625%
HK$26,502
+HK$1,520/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,964/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,853
−HK$712/mo
Today · 4.125%
HK$27,565
baseline
▲ 0.50% · 4.625%
HK$29,018
+HK$1,453/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,130/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,209
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,087
−HK$891/mo
Today · 4.125%
HK$29,978
baseline
▲ 0.50% · 4.625%
HK$31,802
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,956/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,224
−HK$854/mo
Today · 4.125%
HK$33,078
baseline
▲ 0.50% · 4.625%
HK$34,822
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,156/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,911
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,935
−HK$1,040/mo
Today · 4.125%
HK$34,975
baseline
▲ 0.50% · 4.625%
HK$37,103
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,950/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,613
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,595
−HK$996/mo
Today · 4.125%
HK$38,591
baseline
▲ 0.50% · 4.625%
HK$40,625
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,182/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,314
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,630
−HK$1,337/mo
Today · 4.125%
HK$44,967
baseline
▲ 0.50% · 4.625%
HK$47,703
+HK$2,736/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,934/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,074
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,336
−HK$1,281/mo
Today · 4.125%
HK$49,617
baseline
▲ 0.50% · 4.625%
HK$52,232
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,234/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,597 · Scale 2, in force from 26 Feb 2026)