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$23,431
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,160
−HK$741/mo
Today · 4.125%
HK$24,901
baseline
▲ 0.50% · 4.625%
HK$26,416
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,802/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,067
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,766
−HK$709/mo
Today · 4.125%
HK$27,475
baseline
▲ 0.50% · 4.625%
HK$28,924
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,950/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,118
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,992
−HK$889/mo
Today · 4.125%
HK$29,881
baseline
▲ 0.50% · 4.625%
HK$31,699
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,762/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,119
−HK$852/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,708
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,804
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,824
−HK$1,037/mo
Today · 4.125%
HK$34,861
baseline
▲ 0.50% · 4.625%
HK$36,982
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,722/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,494
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,473
−HK$993/mo
Today · 4.125%
HK$38,466
baseline
▲ 0.50% · 4.625%
HK$40,493
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,932/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,176
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,488
−HK$1,333/mo
Today · 4.125%
HK$44,821
baseline
▲ 0.50% · 4.625%
HK$47,548
+HK$2,727/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,642/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,921
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,179
−HK$1,277/mo
Today · 4.125%
HK$49,456
baseline
▲ 0.50% · 4.625%
HK$52,063
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,912/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,341 · Scale 2, in force from 26 Feb 2026)