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$23,431
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,159
−HK$741/mo
Today · 4.125%
HK$24,900
baseline
▲ 0.50% · 4.625%
HK$26,415
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,800/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,066
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,765
−HK$710/mo
Today · 4.125%
HK$27,475
baseline
▲ 0.50% · 4.625%
HK$28,923
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,950/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,117
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$889/mo
Today · 4.125%
HK$29,880
baseline
▲ 0.50% · 4.625%
HK$31,698
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,760/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,280
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,118
−HK$852/mo
Today · 4.125%
HK$32,970
baseline
▲ 0.50% · 4.625%
HK$34,707
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,940/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,803
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,823
−HK$1,037/mo
Today · 4.125%
HK$34,860
baseline
▲ 0.50% · 4.625%
HK$36,981
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,720/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,493
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,472
−HK$992/mo
Today · 4.125%
HK$38,464
baseline
▲ 0.50% · 4.625%
HK$40,492
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,928/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,175
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,487
−HK$1,333/mo
Today · 4.125%
HK$44,820
baseline
▲ 0.50% · 4.625%
HK$47,547
+HK$2,727/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,640/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,919
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,178
−HK$1,276/mo
Today · 4.125%
HK$49,454
baseline
▲ 0.50% · 4.625%
HK$52,061
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,908/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,329 · Scale 2, in force from 26 Feb 2026)