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$23,432
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$740/mo
Today · 4.125%
HK$24,901
baseline
▲ 0.50% · 4.625%
HK$26,417
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,802/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,068
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$709/mo
Today · 4.125%
HK$27,476
baseline
▲ 0.50% · 4.625%
HK$28,925
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,952/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,118
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,993
−HK$889/mo
Today · 4.125%
HK$29,882
baseline
▲ 0.50% · 4.625%
HK$31,700
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,764/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,120
−HK$851/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,709
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,805
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,825
−HK$1,037/mo
Today · 4.125%
HK$34,862
baseline
▲ 0.50% · 4.625%
HK$36,983
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,724/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,495
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,474
−HK$993/mo
Today · 4.125%
HK$38,467
baseline
▲ 0.50% · 4.625%
HK$40,494
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,934/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,178
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,490
−HK$1,332/mo
Today · 4.125%
HK$44,822
baseline
▲ 0.50% · 4.625%
HK$47,550
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,644/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,922
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,181
−HK$1,276/mo
Today · 4.125%
HK$49,457
baseline
▲ 0.50% · 4.625%
HK$52,064
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,914/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,352 · Scale 2, in force from 26 Feb 2026)