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$23,440
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,170
−HK$740/mo
Today · 4.125%
HK$24,910
baseline
▲ 0.50% · 4.625%
HK$26,426
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,820/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,077
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,777
−HK$709/mo
Today · 4.125%
HK$27,486
baseline
▲ 0.50% · 4.625%
HK$28,935
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,972/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,129
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$29,004
−HK$888/mo
Today · 4.125%
HK$29,892
baseline
▲ 0.50% · 4.625%
HK$31,711
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,784/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,293
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,132
−HK$851/mo
Today · 4.125%
HK$32,983
baseline
▲ 0.50% · 4.625%
HK$34,722
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,966/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,817
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,837
−HK$1,038/mo
Today · 4.125%
HK$34,875
baseline
▲ 0.50% · 4.625%
HK$36,997
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,750/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,508
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,487
−HK$994/mo
Today · 4.125%
HK$38,481
baseline
▲ 0.50% · 4.625%
HK$40,509
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,962/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,193
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,505
−HK$1,334/mo
Today · 4.125%
HK$44,839
baseline
▲ 0.50% · 4.625%
HK$47,567
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,678/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,939
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,198
−HK$1,277/mo
Today · 4.125%
HK$49,475
baseline
▲ 0.50% · 4.625%
HK$52,083
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,950/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,491 · Scale 2, in force from 26 Feb 2026)