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$23,426
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,155
−HK$740/mo
Today · 4.125%
HK$24,895
baseline
▲ 0.50% · 4.625%
HK$26,410
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,790/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,061
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,760
−HK$709/mo
Today · 4.125%
HK$27,469
baseline
▲ 0.50% · 4.625%
HK$28,917
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,938/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,111
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,986
−HK$888/mo
Today · 4.125%
HK$29,874
baseline
▲ 0.50% · 4.625%
HK$31,692
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,748/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,273
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,112
−HK$851/mo
Today · 4.125%
HK$32,963
baseline
▲ 0.50% · 4.625%
HK$34,700
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,926/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,796
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,816
−HK$1,037/mo
Today · 4.125%
HK$34,853
baseline
▲ 0.50% · 4.625%
HK$36,974
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,706/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,486
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,464
−HK$993/mo
Today · 4.125%
HK$38,457
baseline
▲ 0.50% · 4.625%
HK$40,484
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,914/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,167
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,478
−HK$1,333/mo
Today · 4.125%
HK$44,811
baseline
▲ 0.50% · 4.625%
HK$47,537
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,622/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,910
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,168
−HK$1,276/mo
Today · 4.125%
HK$49,444
baseline
▲ 0.50% · 4.625%
HK$52,051
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,888/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,252 · Scale 2, in force from 26 Feb 2026)