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$23,457
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,187
−HK$741/mo
Today · 4.125%
HK$24,928
baseline
▲ 0.50% · 4.625%
HK$26,445
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,856/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,096
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$710/mo
Today · 4.125%
HK$27,506
baseline
▲ 0.50% · 4.625%
HK$28,956
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,012/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,149
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,025
−HK$889/mo
Today · 4.125%
HK$29,914
baseline
▲ 0.50% · 4.625%
HK$31,734
+HK$1,820/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,828/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,315
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,155
−HK$852/mo
Today · 4.125%
HK$33,007
baseline
▲ 0.50% · 4.625%
HK$34,747
+HK$1,740/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$66,014/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,840
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,862
−HK$1,038/mo
Today · 4.125%
HK$34,900
baseline
▲ 0.50% · 4.625%
HK$37,023
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,800/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,535
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,514
−HK$994/mo
Today · 4.125%
HK$38,508
baseline
▲ 0.50% · 4.625%
HK$40,538
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,016/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,223
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,537
−HK$1,334/mo
Today · 4.125%
HK$44,871
baseline
▲ 0.50% · 4.625%
HK$47,601
+HK$2,730/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,742/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,973
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,233
−HK$1,278/mo
Today · 4.125%
HK$49,511
baseline
▲ 0.50% · 4.625%
HK$52,121
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,022/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,770 · Scale 2, in force from 26 Feb 2026)