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$1,470/mo
▼ 0.25% · 3.875%
HK$24,178
−HK$741/mo
Today · 4.125%
HK$24,919
baseline
▲ 0.50% · 4.625%
HK$26,436
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,838/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,087
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,786
−HK$710/mo
Today · 4.125%
HK$27,496
baseline
▲ 0.50% · 4.625%
HK$28,945
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,992/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,139
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,014
−HK$889/mo
Today · 4.125%
HK$29,903
baseline
▲ 0.50% · 4.625%
HK$31,723
+HK$1,820/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,806/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,304
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,144
−HK$851/mo
Today · 4.125%
HK$32,995
baseline
▲ 0.50% · 4.625%
HK$34,735
+HK$1,740/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,990/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,829
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,850
−HK$1,037/mo
Today · 4.125%
HK$34,887
baseline
▲ 0.50% · 4.625%
HK$37,010
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,774/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,521
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,501
−HK$994/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$385,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,208
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,521
−HK$1,334/mo
Today · 4.125%
HK$44,855
baseline
▲ 0.50% · 4.625%
HK$47,584
+HK$2,729/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,710/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,956
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,215
−HK$1,278/mo
Today · 4.125%
HK$49,493
baseline
▲ 0.50% · 4.625%
HK$52,102
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$98,986/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,630 · Scale 2, in force from 26 Feb 2026)