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$23,452
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,182
−HK$741/mo
Today · 4.125%
HK$24,923
baseline
▲ 0.50% · 4.625%
HK$26,439
+HK$1,516/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,846/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,090
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,790
−HK$710/mo
Today · 4.125%
HK$27,500
baseline
▲ 0.50% · 4.625%
HK$28,949
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,000/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,143
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$889/mo
Today · 4.125%
HK$29,907
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,820/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,814/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,148
−HK$852/mo
Today · 4.125%
HK$33,000
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$66,000/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,833
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$1,038/mo
Today · 4.125%
HK$34,892
baseline
▲ 0.50% · 4.625%
HK$37,015
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,784/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,526
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,506
−HK$994/mo
Today · 4.125%
HK$38,500
baseline
▲ 0.50% · 4.625%
HK$40,529
+HK$2,029/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,000/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,214
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,527
−HK$1,334/mo
Today · 4.125%
HK$44,861
baseline
▲ 0.50% · 4.625%
HK$47,591
+HK$2,730/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,722/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,962
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,222
−HK$1,278/mo
Today · 4.125%
HK$49,500
baseline
▲ 0.50% · 4.625%
HK$52,109
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,000/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,683 · Scale 2, in force from 26 Feb 2026)