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$23,433
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$740/mo
Today · 4.125%
HK$24,902
baseline
▲ 0.50% · 4.625%
HK$26,418
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,804/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,069
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,768
−HK$709/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$28,926
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,120
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,994
−HK$889/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,701
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,283
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,122
−HK$851/mo
Today · 4.125%
HK$32,973
baseline
▲ 0.50% · 4.625%
HK$34,711
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,946/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,806
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,827
−HK$1,036/mo
Today · 4.125%
HK$34,863
baseline
▲ 0.50% · 4.625%
HK$36,985
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,726/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,496
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,475
−HK$993/mo
Today · 4.125%
HK$38,468
baseline
▲ 0.50% · 4.625%
HK$40,496
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,936/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,179
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,491
−HK$1,333/mo
Today · 4.125%
HK$44,824
baseline
▲ 0.50% · 4.625%
HK$47,552
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,648/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,924
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,183
−HK$1,276/mo
Today · 4.125%
HK$49,459
baseline
▲ 0.50% · 4.625%
HK$52,066
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,918/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,368 · Scale 2, in force from 26 Feb 2026)