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$23,438
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,167
−HK$741/mo
Today · 4.125%
HK$24,908
baseline
▲ 0.50% · 4.625%
HK$26,424
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,816/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,075
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,774
−HK$710/mo
Today · 4.125%
HK$27,484
baseline
▲ 0.50% · 4.625%
HK$28,932
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,968/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,126
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,001
−HK$889/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,708
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,290
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,129
−HK$851/mo
Today · 4.125%
HK$32,980
baseline
▲ 0.50% · 4.625%
HK$34,719
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,960/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,813
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,834
−HK$1,037/mo
Today · 4.125%
HK$34,871
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,742/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,505
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,484
−HK$993/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,505
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,189
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,501
−HK$1,333/mo
Today · 4.125%
HK$44,834
baseline
▲ 0.50% · 4.625%
HK$47,562
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,668/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,935
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,193
−HK$1,277/mo
Today · 4.125%
HK$49,470
baseline
▲ 0.50% · 4.625%
HK$52,078
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,940/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,454 · Scale 2, in force from 26 Feb 2026)