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$26,452
+HK$1,518/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$385,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,102
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,802
−HK$711/mo
Today · 4.125%
HK$27,513
baseline
▲ 0.50% · 4.625%
HK$28,963
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,026/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,156
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,031
−HK$890/mo
Today · 4.125%
HK$29,921
baseline
▲ 0.50% · 4.625%
HK$31,742
+HK$1,821/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$385,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,323
−HK$1,692/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$385,863 · 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$385,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,543
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,523
−HK$995/mo
Today · 4.125%
HK$38,518
baseline
▲ 0.50% · 4.625%
HK$40,548
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,036/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,233
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,547
−HK$1,335/mo
Today · 4.125%
HK$44,882
baseline
▲ 0.50% · 4.625%
HK$47,613
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,764/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,984
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,244
−HK$1,279/mo
Today · 4.125%
HK$49,523
baseline
▲ 0.50% · 4.625%
HK$52,133
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,046/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,863 · Scale 2, in force from 26 Feb 2026)