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$23,438
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,167
−HK$741/mo
Today · 4.125%
HK$24,908
baseline
▲ 0.50% · 4.625%
HK$26,423
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,816/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,074
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,774
−HK$709/mo
Today · 4.125%
HK$27,483
baseline
▲ 0.50% · 4.625%
HK$28,932
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,966/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,125
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,000
−HK$889/mo
Today · 4.125%
HK$29,889
baseline
▲ 0.50% · 4.625%
HK$31,708
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,778/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,289
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,128
−HK$852/mo
Today · 4.125%
HK$32,980
baseline
▲ 0.50% · 4.625%
HK$34,718
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,960/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,813
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,834
−HK$1,037/mo
Today · 4.125%
HK$34,871
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,742/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,504
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,483
−HK$993/mo
Today · 4.125%
HK$38,476
baseline
▲ 0.50% · 4.625%
HK$40,505
+HK$2,029/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,952/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,188
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,500
−HK$1,334/mo
Today · 4.125%
HK$44,834
baseline
▲ 0.50% · 4.625%
HK$47,562
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,668/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,934
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,193
−HK$1,277/mo
Today · 4.125%
HK$49,470
baseline
▲ 0.50% · 4.625%
HK$52,077
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,940/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,449 · Scale 2, in force from 26 Feb 2026)