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$23,411
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$740/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,393
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,743
−HK$708/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,093
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,967
−HK$888/mo
Today · 4.125%
HK$29,855
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,710/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,253
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$851/mo
Today · 4.125%
HK$32,942
baseline
▲ 0.50% · 4.625%
HK$34,678
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,884/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,775
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,795
−HK$1,035/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,950
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,462
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,440
−HK$992/mo
Today · 4.125%
HK$38,432
baseline
▲ 0.50% · 4.625%
HK$40,458
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,864/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,139
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,450
−HK$1,332/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,507
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,564/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,880
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,137
−HK$1,275/mo
Today · 4.125%
HK$49,412
baseline
▲ 0.50% · 4.625%
HK$52,017
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,824/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,003 · Scale 2, in force from 26 Feb 2026)