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$23,433
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$741/mo
Today · 4.125%
HK$24,903
baseline
▲ 0.50% · 4.625%
HK$26,418
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,806/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,069
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,769
−HK$709/mo
Today · 4.125%
HK$27,478
baseline
▲ 0.50% · 4.625%
HK$28,926
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,956/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,120
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,995
−HK$888/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,702
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,283
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,122
−HK$851/mo
Today · 4.125%
HK$32,973
baseline
▲ 0.50% · 4.625%
HK$34,712
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,946/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,807
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,827
−HK$1,037/mo
Today · 4.125%
HK$34,864
baseline
▲ 0.50% · 4.625%
HK$36,985
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,728/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,497
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,476
−HK$993/mo
Today · 4.125%
HK$38,469
baseline
▲ 0.50% · 4.625%
HK$40,497
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,938/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,180
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,492
−HK$1,333/mo
Today · 4.125%
HK$44,825
baseline
▲ 0.50% · 4.625%
HK$47,553
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,650/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,925
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,183
−HK$1,277/mo
Today · 4.125%
HK$49,460
baseline
▲ 0.50% · 4.625%
HK$52,067
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,920/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,375 · Scale 2, in force from 26 Feb 2026)