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$23,423
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$741/mo
Today · 4.125%
HK$24,892
baseline
▲ 0.50% · 4.625%
HK$26,406
+HK$1,514/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,784/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,058
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,756
−HK$709/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$28,913
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,107
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,982
−HK$888/mo
Today · 4.125%
HK$29,870
baseline
▲ 0.50% · 4.625%
HK$31,687
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,740/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,269
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,108
−HK$850/mo
Today · 4.125%
HK$32,958
baseline
▲ 0.50% · 4.625%
HK$34,696
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,916/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,792
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,812
−HK$1,036/mo
Today · 4.125%
HK$34,848
baseline
▲ 0.50% · 4.625%
HK$36,969
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,696/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,481
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,459
−HK$993/mo
Today · 4.125%
HK$38,452
baseline
▲ 0.50% · 4.625%
HK$40,478
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,904/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,161
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,472
−HK$1,333/mo
Today · 4.125%
HK$44,805
baseline
▲ 0.50% · 4.625%
HK$47,531
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,610/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,904
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,162
−HK$1,276/mo
Today · 4.125%
HK$49,438
baseline
▲ 0.50% · 4.625%
HK$52,044
+HK$2,606/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,876/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,200 · Scale 2, in force from 26 Feb 2026)