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$23,446
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,175
−HK$741/mo
Today · 4.125%
HK$24,916
baseline
▲ 0.50% · 4.625%
HK$26,433
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,832/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,084
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$710/mo
Today · 4.125%
HK$27,493
baseline
▲ 0.50% · 4.625%
HK$28,942
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,986/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,135
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,011
−HK$889/mo
Today · 4.125%
HK$29,900
baseline
▲ 0.50% · 4.625%
HK$31,719
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,800/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,300
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,140
−HK$851/mo
Today · 4.125%
HK$32,991
baseline
▲ 0.50% · 4.625%
HK$34,730
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,982/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,825
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,846
−HK$1,037/mo
Today · 4.125%
HK$34,883
baseline
▲ 0.50% · 4.625%
HK$37,006
+HK$2,123/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,766/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,517
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,496
−HK$994/mo
Today · 4.125%
HK$38,490
baseline
▲ 0.50% · 4.625%
HK$40,519
+HK$2,029/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,980/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,203
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,516
−HK$1,334/mo
Today · 4.125%
HK$44,850
baseline
▲ 0.50% · 4.625%
HK$47,579
+HK$2,729/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,700/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,951
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,210
−HK$1,277/mo
Today · 4.125%
HK$49,487
baseline
▲ 0.50% · 4.625%
HK$52,096
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,974/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,585 · Scale 2, in force from 26 Feb 2026)