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$23,450
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,180
−HK$741/mo
Today · 4.125%
HK$24,921
baseline
▲ 0.50% · 4.625%
HK$26,437
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,842/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,088
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,788
−HK$709/mo
Today · 4.125%
HK$27,497
baseline
▲ 0.50% · 4.625%
HK$28,947
+HK$1,450/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$385,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,140
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,015
−HK$890/mo
Today · 4.125%
HK$29,905
baseline
▲ 0.50% · 4.625%
HK$31,724
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,810/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,306
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,145
−HK$852/mo
Today · 4.125%
HK$32,997
baseline
▲ 0.50% · 4.625%
HK$34,736
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,994/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,830
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,851
−HK$1,038/mo
Today · 4.125%
HK$34,889
baseline
▲ 0.50% · 4.625%
HK$37,012
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,778/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,523
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,503
−HK$993/mo
Today · 4.125%
HK$38,496
baseline
▲ 0.50% · 4.625%
HK$40,526
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$76,992/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,210
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,523
−HK$1,334/mo
Today · 4.125%
HK$44,857
baseline
▲ 0.50% · 4.625%
HK$47,587
+HK$2,730/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,714/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,958
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,218
−HK$1,277/mo
Today · 4.125%
HK$49,495
baseline
▲ 0.50% · 4.625%
HK$52,104
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$98,990/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,650 · Scale 2, in force from 26 Feb 2026)