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$23,429
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,157
−HK$741/mo
Today · 4.125%
HK$24,898
baseline
▲ 0.50% · 4.625%
HK$26,413
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,796/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,297 · 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$385,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,114
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,989
−HK$888/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$385,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,277
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,116
−HK$851/mo
Today · 4.125%
HK$32,967
baseline
▲ 0.50% · 4.625%
HK$34,705
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,934/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,800
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,820
−HK$1,037/mo
Today · 4.125%
HK$34,857
baseline
▲ 0.50% · 4.625%
HK$36,978
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,714/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,490
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,468
−HK$993/mo
Today · 4.125%
HK$38,461
baseline
▲ 0.50% · 4.625%
HK$40,489
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,922/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,172
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,483
−HK$1,333/mo
Today · 4.125%
HK$44,816
baseline
▲ 0.50% · 4.625%
HK$47,543
+HK$2,727/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,632/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,915
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,174
−HK$1,276/mo
Today · 4.125%
HK$49,450
baseline
▲ 0.50% · 4.625%
HK$52,057
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,900/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,297 · Scale 2, in force from 26 Feb 2026)