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$23,459
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,189
−HK$742/mo
Today · 4.125%
HK$24,931
baseline
▲ 0.50% · 4.625%
HK$26,448
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,862/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,098
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,798
−HK$710/mo
Today · 4.125%
HK$27,508
baseline
▲ 0.50% · 4.625%
HK$28,958
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,016/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,151
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,027
−HK$890/mo
Today · 4.125%
HK$29,917
baseline
▲ 0.50% · 4.625%
HK$31,737
+HK$1,820/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,834/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,318
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$852/mo
Today · 4.125%
HK$33,010
baseline
▲ 0.50% · 4.625%
HK$34,750
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,020/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,843
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,865
−HK$1,038/mo
Today · 4.125%
HK$34,903
baseline
▲ 0.50% · 4.625%
HK$37,027
+HK$2,124/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,806/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,538
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,518
−HK$994/mo
Today · 4.125%
HK$38,512
baseline
▲ 0.50% · 4.625%
HK$40,542
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,024/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,227
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,541
−HK$1,334/mo
Today · 4.125%
HK$44,875
baseline
▲ 0.50% · 4.625%
HK$47,606
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,750/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,977
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,237
−HK$1,278/mo
Today · 4.125%
HK$49,515
baseline
▲ 0.50% · 4.625%
HK$52,125
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,030/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,803 · Scale 2, in force from 26 Feb 2026)