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$385,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,096
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,795
−HK$710/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$28,955
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,010/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,148
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,024
−HK$889/mo
Today · 4.125%
HK$29,913
baseline
▲ 0.50% · 4.625%
HK$31,734
+HK$1,821/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,826/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,315
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$852/mo
Today · 4.125%
HK$33,006
baseline
▲ 0.50% · 4.625%
HK$34,746
+HK$1,740/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$66,012/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,840
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,861
−HK$1,038/mo
Today · 4.125%
HK$34,899
baseline
▲ 0.50% · 4.625%
HK$37,022
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,798/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,534
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,514
−HK$994/mo
Today · 4.125%
HK$38,508
baseline
▲ 0.50% · 4.625%
HK$40,537
+HK$2,029/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$385,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,222
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,536
−HK$1,334/mo
Today · 4.125%
HK$44,870
baseline
▲ 0.50% · 4.625%
HK$47,600
+HK$2,730/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,740/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,972
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,232
−HK$1,278/mo
Today · 4.125%
HK$49,510
baseline
▲ 0.50% · 4.625%
HK$52,119
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,020/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,761 · Scale 2, in force from 26 Feb 2026)