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$23,427
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,155
−HK$741/mo
Today · 4.125%
HK$24,896
baseline
▲ 0.50% · 4.625%
HK$26,411
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,792/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,062
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,761
−HK$709/mo
Today · 4.125%
HK$27,470
baseline
▲ 0.50% · 4.625%
HK$28,918
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,940/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,112
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,986
−HK$889/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,693
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,274
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,113
−HK$851/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,701
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,797
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,817
−HK$1,037/mo
Today · 4.125%
HK$34,854
baseline
▲ 0.50% · 4.625%
HK$36,975
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,708/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,487
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,465
−HK$993/mo
Today · 4.125%
HK$38,458
baseline
▲ 0.50% · 4.625%
HK$40,485
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,916/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,168
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,480
−HK$1,332/mo
Today · 4.125%
HK$44,812
baseline
▲ 0.50% · 4.625%
HK$47,539
+HK$2,727/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,624/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,911
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,170
−HK$1,276/mo
Today · 4.125%
HK$49,446
baseline
▲ 0.50% · 4.625%
HK$52,052
+HK$2,606/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,892/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,263 · Scale 2, in force from 26 Feb 2026)