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$23,459
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,189
−HK$741/mo
Today · 4.125%
HK$24,930
baseline
▲ 0.50% · 4.625%
HK$26,447
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,860/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,098
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,798
−HK$710/mo
Today · 4.125%
HK$27,508
baseline
▲ 0.50% · 4.625%
HK$28,958
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,016/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,151
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,027
−HK$889/mo
Today · 4.125%
HK$29,916
baseline
▲ 0.50% · 4.625%
HK$31,737
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,832/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,318
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$852/mo
Today · 4.125%
HK$33,010
baseline
▲ 0.50% · 4.625%
HK$34,750
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,020/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,843
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,864
−HK$1,038/mo
Today · 4.125%
HK$34,902
baseline
▲ 0.50% · 4.625%
HK$37,026
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,804/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,537
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,517
−HK$994/mo
Today · 4.125%
HK$38,511
baseline
▲ 0.50% · 4.625%
HK$40,541
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,022/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,226
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,540
−HK$1,334/mo
Today · 4.125%
HK$44,874
baseline
▲ 0.50% · 4.625%
HK$47,605
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,748/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,977
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,236
−HK$1,279/mo
Today · 4.125%
HK$49,515
baseline
▲ 0.50% · 4.625%
HK$52,124
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,030/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,798 · Scale 2, in force from 26 Feb 2026)