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$23,456
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,185
−HK$742/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,444
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,094
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,794
−HK$710/mo
Today · 4.125%
HK$27,504
baseline
▲ 0.50% · 4.625%
HK$28,954
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,008/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,147
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,023
−HK$889/mo
Today · 4.125%
HK$29,912
baseline
▲ 0.50% · 4.625%
HK$31,732
+HK$1,820/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,824/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,313
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,153
−HK$852/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$34,745
+HK$1,740/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,838
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,860
−HK$1,037/mo
Today · 4.125%
HK$34,897
baseline
▲ 0.50% · 4.625%
HK$37,021
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,794/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,532
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,512
−HK$994/mo
Today · 4.125%
HK$38,506
baseline
▲ 0.50% · 4.625%
HK$40,536
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,012/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,221
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,534
−HK$1,334/mo
Today · 4.125%
HK$44,868
baseline
▲ 0.50% · 4.625%
HK$47,598
+HK$2,730/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,736/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,970
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,230
−HK$1,278/mo
Today · 4.125%
HK$49,508
baseline
▲ 0.50% · 4.625%
HK$52,117
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,016/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,745 · Scale 2, in force from 26 Feb 2026)