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$23,458
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,188
−HK$741/mo
Today · 4.125%
HK$24,929
baseline
▲ 0.50% · 4.625%
HK$26,446
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,858/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,097
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,797
−HK$710/mo
Today · 4.125%
HK$27,507
baseline
▲ 0.50% · 4.625%
HK$28,957
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,014/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,150
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,025
−HK$890/mo
Today · 4.125%
HK$29,915
baseline
▲ 0.50% · 4.625%
HK$31,735
+HK$1,820/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,830/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,316
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,156
−HK$852/mo
Today · 4.125%
HK$33,008
baseline
▲ 0.50% · 4.625%
HK$34,748
+HK$1,740/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$66,016/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,841
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,863
−HK$1,038/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$37,024
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,535
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,515
−HK$994/mo
Today · 4.125%
HK$38,509
baseline
▲ 0.50% · 4.625%
HK$40,539
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,018/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,224
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,538
−HK$1,334/mo
Today · 4.125%
HK$44,872
baseline
▲ 0.50% · 4.625%
HK$47,603
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,744/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,974
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,234
−HK$1,278/mo
Today · 4.125%
HK$49,512
baseline
▲ 0.50% · 4.625%
HK$52,122
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,024/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,779 · Scale 2, in force from 26 Feb 2026)