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$23,463
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,193
−HK$741/mo
Today · 4.125%
HK$24,934
baseline
▲ 0.50% · 4.625%
HK$26,451
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,868/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,102
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,802
−HK$710/mo
Today · 4.125%
HK$27,512
baseline
▲ 0.50% · 4.625%
HK$28,962
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,024/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,155
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,031
−HK$890/mo
Today · 4.125%
HK$29,921
baseline
▲ 0.50% · 4.625%
HK$31,741
+HK$1,820/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,842/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,322
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,163
−HK$852/mo
Today · 4.125%
HK$33,015
baseline
▲ 0.50% · 4.625%
HK$34,755
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,030/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,848
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,870
−HK$1,038/mo
Today · 4.125%
HK$34,908
baseline
▲ 0.50% · 4.625%
HK$37,032
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,816/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,543
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,523
−HK$994/mo
Today · 4.125%
HK$38,517
baseline
▲ 0.50% · 4.625%
HK$40,547
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,034/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,233
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,547
−HK$1,334/mo
Today · 4.125%
HK$44,881
baseline
▲ 0.50% · 4.625%
HK$47,612
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,762/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,984
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,244
−HK$1,278/mo
Today · 4.125%
HK$49,522
baseline
▲ 0.50% · 4.625%
HK$52,132
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,044/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,858 · Scale 2, in force from 26 Feb 2026)