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$23,449
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,179
−HK$741/mo
Today · 4.125%
HK$24,920
baseline
▲ 0.50% · 4.625%
HK$26,436
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,840/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,087
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,787
−HK$710/mo
Today · 4.125%
HK$27,497
baseline
▲ 0.50% · 4.625%
HK$28,946
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,994/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,139
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,015
−HK$889/mo
Today · 4.125%
HK$29,904
baseline
▲ 0.50% · 4.625%
HK$31,723
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,808/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,305
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,144
−HK$852/mo
Today · 4.125%
HK$32,996
baseline
▲ 0.50% · 4.625%
HK$34,735
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,992/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,829
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,850
−HK$1,038/mo
Today · 4.125%
HK$34,888
baseline
▲ 0.50% · 4.625%
HK$37,011
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,776/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,522
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,502
−HK$993/mo
Today · 4.125%
HK$38,495
baseline
▲ 0.50% · 4.625%
HK$40,524
+HK$2,029/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$76,990/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,209
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,522
−HK$1,334/mo
Today · 4.125%
HK$44,856
baseline
▲ 0.50% · 4.625%
HK$47,585
+HK$2,729/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,712/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,957
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,216
−HK$1,278/mo
Today · 4.125%
HK$49,494
baseline
▲ 0.50% · 4.625%
HK$52,103
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$98,988/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,638 · Scale 2, in force from 26 Feb 2026)