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$23,456
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$741/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,444
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,095
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,795
−HK$710/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$28,954
+HK$1,449/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$385,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,147
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,023
−HK$889/mo
Today · 4.125%
HK$29,912
baseline
▲ 0.50% · 4.625%
HK$31,733
+HK$1,821/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,824/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,314
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$851/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$34,745
+HK$1,740/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,839
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,860
−HK$1,038/mo
Today · 4.125%
HK$34,898
baseline
▲ 0.50% · 4.625%
HK$37,021
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,796/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,533
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,512
−HK$994/mo
Today · 4.125%
HK$38,506
baseline
▲ 0.50% · 4.625%
HK$40,536
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,012/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,221
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,534
−HK$1,335/mo
Today · 4.125%
HK$44,869
baseline
▲ 0.50% · 4.625%
HK$47,599
+HK$2,730/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,738/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,971
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,230
−HK$1,278/mo
Today · 4.125%
HK$49,508
baseline
▲ 0.50% · 4.625%
HK$52,118
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,016/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,749 · Scale 2, in force from 26 Feb 2026)