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$23,425
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,154
−HK$740/mo
Today · 4.125%
HK$24,894
baseline
▲ 0.50% · 4.625%
HK$26,409
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,788/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,060
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,759
−HK$709/mo
Today · 4.125%
HK$27,468
baseline
▲ 0.50% · 4.625%
HK$28,916
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,936/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,110
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$888/mo
Today · 4.125%
HK$29,873
baseline
▲ 0.50% · 4.625%
HK$31,691
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,746/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,272
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,111
−HK$851/mo
Today · 4.125%
HK$32,962
baseline
▲ 0.50% · 4.625%
HK$34,699
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,924/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,795
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,815
−HK$1,037/mo
Today · 4.125%
HK$34,852
baseline
▲ 0.50% · 4.625%
HK$36,972
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,704/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,484
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,463
−HK$993/mo
Today · 4.125%
HK$38,456
baseline
▲ 0.50% · 4.625%
HK$40,483
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,912/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,165
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,477
−HK$1,332/mo
Today · 4.125%
HK$44,809
baseline
▲ 0.50% · 4.625%
HK$47,536
+HK$2,727/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,618/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,908
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,167
−HK$1,276/mo
Today · 4.125%
HK$49,443
baseline
▲ 0.50% · 4.625%
HK$52,049
+HK$2,606/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,886/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,239 · Scale 2, in force from 26 Feb 2026)