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$23,442
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,171
−HK$741/mo
Today · 4.125%
HK$24,912
baseline
▲ 0.50% · 4.625%
HK$26,427
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,824/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,079
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,778
−HK$710/mo
Today · 4.125%
HK$27,488
baseline
▲ 0.50% · 4.625%
HK$28,936
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,976/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,130
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,005
−HK$889/mo
Today · 4.125%
HK$29,894
baseline
▲ 0.50% · 4.625%
HK$31,713
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,788/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,294
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$851/mo
Today · 4.125%
HK$32,985
baseline
▲ 0.50% · 4.625%
HK$34,724
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,970/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,818
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,839
−HK$1,037/mo
Today · 4.125%
HK$34,876
baseline
▲ 0.50% · 4.625%
HK$36,998
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,752/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,510
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,489
−HK$994/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,511
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,195
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,507
−HK$1,334/mo
Today · 4.125%
HK$44,841
baseline
▲ 0.50% · 4.625%
HK$47,569
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,682/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,941
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,200
−HK$1,278/mo
Today · 4.125%
HK$49,478
baseline
▲ 0.50% · 4.625%
HK$52,086
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,956/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,510 · Scale 2, in force from 26 Feb 2026)