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$23,451
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,181
−HK$741/mo
Today · 4.125%
HK$24,922
baseline
▲ 0.50% · 4.625%
HK$26,438
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,844/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,089
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,789
−HK$710/mo
Today · 4.125%
HK$27,499
baseline
▲ 0.50% · 4.625%
HK$28,949
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,998/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,142
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,017
−HK$889/mo
Today · 4.125%
HK$29,906
baseline
▲ 0.50% · 4.625%
HK$31,726
+HK$1,820/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,812/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,307
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,147
−HK$852/mo
Today · 4.125%
HK$32,999
baseline
▲ 0.50% · 4.625%
HK$34,738
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,998/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,832
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,853
−HK$1,038/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$37,014
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,525
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,505
−HK$994/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,528
+HK$2,029/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,213
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,526
−HK$1,334/mo
Today · 4.125%
HK$44,860
baseline
▲ 0.50% · 4.625%
HK$47,589
+HK$2,729/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,720/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,961
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,221
−HK$1,277/mo
Today · 4.125%
HK$49,498
baseline
▲ 0.50% · 4.625%
HK$52,107
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$98,996/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,671 · Scale 2, in force from 26 Feb 2026)