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$23,439
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,168
−HK$740/mo
Today · 4.125%
HK$24,908
baseline
▲ 0.50% · 4.625%
HK$26,424
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,816/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,075
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,774
−HK$710/mo
Today · 4.125%
HK$27,484
baseline
▲ 0.50% · 4.625%
HK$28,933
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,968/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,126
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,001
−HK$889/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,709
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,290
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,129
−HK$852/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,719
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,814
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,835
−HK$1,037/mo
Today · 4.125%
HK$34,872
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,744/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,505
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,484
−HK$993/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,506
+HK$2,029/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,189
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,502
−HK$1,333/mo
Today · 4.125%
HK$44,835
baseline
▲ 0.50% · 4.625%
HK$47,563
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,670/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,935
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,194
−HK$1,277/mo
Today · 4.125%
HK$49,471
baseline
▲ 0.50% · 4.625%
HK$52,079
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,942/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,459 · Scale 2, in force from 26 Feb 2026)