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$23,439
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,168
−HK$741/mo
Today · 4.125%
HK$24,909
baseline
▲ 0.50% · 4.625%
HK$26,425
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,818/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,076
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,775
−HK$710/mo
Today · 4.125%
HK$27,485
baseline
▲ 0.50% · 4.625%
HK$28,933
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,970/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,002
−HK$889/mo
Today · 4.125%
HK$29,891
baseline
▲ 0.50% · 4.625%
HK$31,710
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,782/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,291
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,130
−HK$852/mo
Today · 4.125%
HK$32,982
baseline
▲ 0.50% · 4.625%
HK$34,720
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,964/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,815
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,836
−HK$1,037/mo
Today · 4.125%
HK$34,873
baseline
▲ 0.50% · 4.625%
HK$36,995
+HK$2,122/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,746/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,506
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,485
−HK$994/mo
Today · 4.125%
HK$38,479
baseline
▲ 0.50% · 4.625%
HK$40,507
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,958/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,191
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,503
−HK$1,333/mo
Today · 4.125%
HK$44,836
baseline
▲ 0.50% · 4.625%
HK$47,564
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,672/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,937
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,195
−HK$1,277/mo
Today · 4.125%
HK$49,472
baseline
▲ 0.50% · 4.625%
HK$52,080
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,944/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,470 · Scale 2, in force from 26 Feb 2026)