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$23,512
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,243
−HK$743/mo
Today · 4.125%
HK$24,986
baseline
▲ 0.50% · 4.625%
HK$26,507
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,972/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,157
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,858
−HK$712/mo
Today · 4.125%
HK$27,570
baseline
▲ 0.50% · 4.625%
HK$29,023
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,140/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,214
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,092
−HK$891/mo
Today · 4.125%
HK$29,983
baseline
▲ 0.50% · 4.625%
HK$31,808
+HK$1,825/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,966/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,388
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,230
−HK$854/mo
Today · 4.125%
HK$33,084
baseline
▲ 0.50% · 4.625%
HK$34,828
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,168/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,917
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,940
−HK$1,041/mo
Today · 4.125%
HK$34,981
baseline
▲ 0.50% · 4.625%
HK$37,109
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,962/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,619
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,601
−HK$997/mo
Today · 4.125%
HK$38,598
baseline
▲ 0.50% · 4.625%
HK$40,632
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,196/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,321
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,638
−HK$1,337/mo
Today · 4.125%
HK$44,975
baseline
▲ 0.50% · 4.625%
HK$47,712
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,950/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,082
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,345
−HK$1,281/mo
Today · 4.125%
HK$49,626
baseline
▲ 0.50% · 4.625%
HK$52,241
+HK$2,615/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,252/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,664 · Scale 2, in force from 26 Feb 2026)