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$23,424
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,153
−HK$740/mo
Today · 4.125%
HK$24,893
baseline
▲ 0.50% · 4.625%
HK$26,408
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,786/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,059
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,758
−HK$709/mo
Today · 4.125%
HK$27,467
baseline
▲ 0.50% · 4.625%
HK$28,915
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,934/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,109
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,983
−HK$889/mo
Today · 4.125%
HK$29,872
baseline
▲ 0.50% · 4.625%
HK$31,689
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,744/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,271
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,109
−HK$851/mo
Today · 4.125%
HK$32,960
baseline
▲ 0.50% · 4.625%
HK$34,698
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,920/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,794
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,814
−HK$1,036/mo
Today · 4.125%
HK$34,850
baseline
▲ 0.50% · 4.625%
HK$36,971
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,700/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,483
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,461
−HK$993/mo
Today · 4.125%
HK$38,454
baseline
▲ 0.50% · 4.625%
HK$40,481
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,908/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,163
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,475
−HK$1,332/mo
Today · 4.125%
HK$44,807
baseline
▲ 0.50% · 4.625%
HK$47,534
+HK$2,727/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,614/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,906
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,164
−HK$1,276/mo
Today · 4.125%
HK$49,440
baseline
▲ 0.50% · 4.625%
HK$52,047
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,880/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,221 · Scale 2, in force from 26 Feb 2026)