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$23,420
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,148
−HK$740/mo
Today · 4.125%
HK$24,888
baseline
▲ 0.50% · 4.625%
HK$26,403
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,776/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,054
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$709/mo
Today · 4.125%
HK$27,462
baseline
▲ 0.50% · 4.625%
HK$28,909
+HK$1,447/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,924/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,104
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,978
−HK$888/mo
Today · 4.125%
HK$29,866
baseline
▲ 0.50% · 4.625%
HK$31,683
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,732/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,265
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,104
−HK$850/mo
Today · 4.125%
HK$32,954
baseline
▲ 0.50% · 4.625%
HK$34,691
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,908/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,788
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,808
−HK$1,036/mo
Today · 4.125%
HK$34,844
baseline
▲ 0.50% · 4.625%
HK$36,964
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,688/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,476
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,454
−HK$993/mo
Today · 4.125%
HK$38,447
baseline
▲ 0.50% · 4.625%
HK$40,473
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,894/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,156
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,467
−HK$1,332/mo
Today · 4.125%
HK$44,799
baseline
▲ 0.50% · 4.625%
HK$47,525
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,598/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,898
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,155
−HK$1,276/mo
Today · 4.125%
HK$49,431
baseline
▲ 0.50% · 4.625%
HK$52,037
+HK$2,606/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,862/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,150 · Scale 2, in force from 26 Feb 2026)