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$23,452
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,181
−HK$741/mo
Today · 4.125%
HK$24,922
baseline
▲ 0.50% · 4.625%
HK$26,439
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,844/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,090
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,789
−HK$710/mo
Today · 4.125%
HK$27,499
baseline
▲ 0.50% · 4.625%
HK$28,949
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,998/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,142
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,017
−HK$890/mo
Today · 4.125%
HK$29,907
baseline
▲ 0.50% · 4.625%
HK$31,726
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,814/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,147
−HK$852/mo
Today · 4.125%
HK$32,999
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,740/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,998/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,832
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$1,037/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$37,014
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,526
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,505
−HK$994/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,528
+HK$2,029/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,213
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,526
−HK$1,334/mo
Today · 4.125%
HK$44,860
baseline
▲ 0.50% · 4.625%
HK$47,590
+HK$2,730/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,720/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,962
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,221
−HK$1,278/mo
Today · 4.125%
HK$49,499
baseline
▲ 0.50% · 4.625%
HK$52,108
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$98,998/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,675 · Scale 2, in force from 26 Feb 2026)