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$23,454
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,184
−HK$741/mo
Today · 4.125%
HK$24,925
baseline
▲ 0.50% · 4.625%
HK$26,441
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,850/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,092
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,792
−HK$710/mo
Today · 4.125%
HK$27,502
baseline
▲ 0.50% · 4.625%
HK$28,952
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,004/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,145
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,020
−HK$890/mo
Today · 4.125%
HK$29,910
baseline
▲ 0.50% · 4.625%
HK$31,730
+HK$1,820/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,820/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,311
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,151
−HK$852/mo
Today · 4.125%
HK$33,003
baseline
▲ 0.50% · 4.625%
HK$34,742
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$66,006/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,836
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,857
−HK$1,038/mo
Today · 4.125%
HK$34,895
baseline
▲ 0.50% · 4.625%
HK$37,018
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,790/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,529
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,509
−HK$994/mo
Today · 4.125%
HK$38,503
baseline
▲ 0.50% · 4.625%
HK$40,533
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,006/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,217
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,531
−HK$1,334/mo
Today · 4.125%
HK$44,865
baseline
▲ 0.50% · 4.625%
HK$47,595
+HK$2,730/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,730/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,966
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,226
−HK$1,278/mo
Today · 4.125%
HK$49,504
baseline
▲ 0.50% · 4.625%
HK$52,113
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,008/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,715 · Scale 2, in force from 26 Feb 2026)