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$23,470
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,200
−HK$742/mo
Today · 4.125%
HK$24,942
baseline
▲ 0.50% · 4.625%
HK$26,460
+HK$1,518/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$49,884/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,111
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,811
−HK$710/mo
Today · 4.125%
HK$27,521
baseline
▲ 0.50% · 4.625%
HK$28,972
+HK$1,451/mo
Deposit HK$5.15M · loan HK$5.15M · min. income ≈ HK$55,042/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,164
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,041
−HK$890/mo
Today · 4.125%
HK$29,931
baseline
▲ 0.50% · 4.625%
HK$31,752
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$59,862/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$853/mo
Today · 4.125%
HK$33,026
baseline
▲ 0.50% · 4.625%
HK$34,766
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.18M · min. income ≈ HK$66,052/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,859
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,881
−HK$1,038/mo
Today · 4.125%
HK$34,919
baseline
▲ 0.50% · 4.625%
HK$37,044
+HK$2,125/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$69,838/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,555
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,535
−HK$995/mo
Today · 4.125%
HK$38,530
baseline
▲ 0.50% · 4.625%
HK$40,561
+HK$2,031/mo
Deposit HK$3.09M · loan HK$7.21M · min. income ≈ HK$77,060/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,247
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,561
−HK$1,335/mo
Today · 4.125%
HK$44,896
baseline
▲ 0.50% · 4.625%
HK$47,628
+HK$2,732/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,792/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,999
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,260
−HK$1,278/mo
Today · 4.125%
HK$49,538
baseline
▲ 0.50% · 4.625%
HK$52,150
+HK$2,612/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,076/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$385,984 · Scale 2, in force from 26 Feb 2026)