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$23,523
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,254
−HK$744/mo
Today · 4.125%
HK$24,998
baseline
▲ 0.50% · 4.625%
HK$26,519
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,996/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,169
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,871
−HK$712/mo
Today · 4.125%
HK$27,583
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,166/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,227
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,105
−HK$892/mo
Today · 4.125%
HK$29,997
baseline
▲ 0.50% · 4.625%
HK$31,823
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,994/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,402
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,245
−HK$854/mo
Today · 4.125%
HK$33,099
baseline
▲ 0.50% · 4.625%
HK$34,844
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,198/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,932
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,956
−HK$1,041/mo
Today · 4.125%
HK$34,997
baseline
▲ 0.50% · 4.625%
HK$37,126
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,994/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,636
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,619
−HK$997/mo
Today · 4.125%
HK$38,616
baseline
▲ 0.50% · 4.625%
HK$40,651
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,232/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,341
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,658
−HK$1,338/mo
Today · 4.125%
HK$44,996
baseline
▲ 0.50% · 4.625%
HK$47,734
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,992/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,104
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,367
−HK$1,282/mo
Today · 4.125%
HK$49,649
baseline
▲ 0.50% · 4.625%
HK$52,266
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,298/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,843 · Scale 2, in force from 26 Feb 2026)