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$23,428
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,157
−HK$740/mo
Today · 4.125%
HK$24,897
baseline
▲ 0.50% · 4.625%
HK$26,412
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,794/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,064
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,763
−HK$709/mo
Today · 4.125%
HK$27,472
baseline
▲ 0.50% · 4.625%
HK$28,920
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,944/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,114
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,988
−HK$889/mo
Today · 4.125%
HK$29,877
baseline
▲ 0.50% · 4.625%
HK$31,695
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,754/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,276
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,115
−HK$851/mo
Today · 4.125%
HK$32,966
baseline
▲ 0.50% · 4.625%
HK$34,704
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,932/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,799
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,820
−HK$1,036/mo
Today · 4.125%
HK$34,856
baseline
▲ 0.50% · 4.625%
HK$36,977
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,712/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,489
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,468
−HK$992/mo
Today · 4.125%
HK$38,460
baseline
▲ 0.50% · 4.625%
HK$40,488
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,920/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,171
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,482
−HK$1,333/mo
Today · 4.125%
HK$44,815
baseline
▲ 0.50% · 4.625%
HK$47,542
+HK$2,727/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,630/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,914
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,173
−HK$1,276/mo
Today · 4.125%
HK$49,449
baseline
▲ 0.50% · 4.625%
HK$52,056
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,898/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,289 · Scale 2, in force from 26 Feb 2026)