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$23,435
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,164
−HK$740/mo
Today · 4.125%
HK$24,904
baseline
▲ 0.50% · 4.625%
HK$26,420
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,808/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,071
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,770
−HK$710/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$28,928
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,122
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,997
−HK$888/mo
Today · 4.125%
HK$29,885
baseline
▲ 0.50% · 4.625%
HK$31,704
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,770/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,285
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,124
−HK$851/mo
Today · 4.125%
HK$32,975
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,950/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,809
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,829
−HK$1,037/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,988
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,499
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,478
−HK$993/mo
Today · 4.125%
HK$38,471
baseline
▲ 0.50% · 4.625%
HK$40,499
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,942/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,183
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,495
−HK$1,333/mo
Today · 4.125%
HK$44,828
baseline
▲ 0.50% · 4.625%
HK$47,556
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,656/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,928
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,186
−HK$1,277/mo
Today · 4.125%
HK$49,463
baseline
▲ 0.50% · 4.625%
HK$52,070
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,926/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,398 · Scale 2, in force from 26 Feb 2026)