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$1,470/mo
▼ 0.25% · 3.875%
HK$24,180
−HK$741/mo
Today · 4.125%
HK$24,921
baseline
▲ 0.50% · 4.625%
HK$26,437
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,842/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,088
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,788
−HK$710/mo
Today · 4.125%
HK$27,498
baseline
▲ 0.50% · 4.625%
HK$28,947
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,996/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,141
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,016
−HK$889/mo
Today · 4.125%
HK$29,905
baseline
▲ 0.50% · 4.625%
HK$31,725
+HK$1,820/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,810/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,306
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,146
−HK$852/mo
Today · 4.125%
HK$32,998
baseline
▲ 0.50% · 4.625%
HK$34,737
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,996/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,831
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,852
−HK$1,038/mo
Today · 4.125%
HK$34,890
baseline
▲ 0.50% · 4.625%
HK$37,012
+HK$2,122/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,780/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,524
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,503
−HK$994/mo
Today · 4.125%
HK$38,497
baseline
▲ 0.50% · 4.625%
HK$40,526
+HK$2,029/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$76,994/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,211
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,524
−HK$1,334/mo
Today · 4.125%
HK$44,858
baseline
▲ 0.50% · 4.625%
HK$47,587
+HK$2,729/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,716/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,959
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,219
−HK$1,277/mo
Today · 4.125%
HK$49,496
baseline
▲ 0.50% · 4.625%
HK$52,105
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$98,992/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,657 · Scale 2, in force from 26 Feb 2026)