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$23,447
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,176
−HK$741/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,434
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,784
−HK$710/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$28,943
+HK$1,449/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,988/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,136
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,012
−HK$889/mo
Today · 4.125%
HK$29,901
baseline
▲ 0.50% · 4.625%
HK$31,720
+HK$1,819/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,802/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,302
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,141
−HK$852/mo
Today · 4.125%
HK$32,993
baseline
▲ 0.50% · 4.625%
HK$34,732
+HK$1,739/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,986/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,826
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,847
−HK$1,037/mo
Today · 4.125%
HK$34,884
baseline
▲ 0.50% · 4.625%
HK$37,007
+HK$2,123/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$69,768/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,518
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,498
−HK$993/mo
Today · 4.125%
HK$38,491
baseline
▲ 0.50% · 4.625%
HK$40,520
+HK$2,029/mo
Deposit HK$3.08M · loan HK$7.20M · min. income ≈ HK$76,982/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,205
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,517
−HK$1,334/mo
Today · 4.125%
HK$44,851
baseline
▲ 0.50% · 4.625%
HK$47,580
+HK$2,729/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,702/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,952
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,212
−HK$1,277/mo
Today · 4.125%
HK$49,489
baseline
▲ 0.50% · 4.625%
HK$52,098
+HK$2,609/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,978/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,599 · Scale 2, in force from 26 Feb 2026)