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$23,436
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,165
−HK$741/mo
Today · 4.125%
HK$24,906
baseline
▲ 0.50% · 4.625%
HK$26,421
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,812/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,072
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$710/mo
Today · 4.125%
HK$27,481
baseline
▲ 0.50% · 4.625%
HK$28,929
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,962/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,123
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,998
−HK$889/mo
Today · 4.125%
HK$29,887
baseline
▲ 0.50% · 4.625%
HK$31,705
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,774/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,287
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,126
−HK$851/mo
Today · 4.125%
HK$32,977
baseline
▲ 0.50% · 4.625%
HK$34,715
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,954/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,810
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,831
−HK$1,037/mo
Today · 4.125%
HK$34,868
baseline
▲ 0.50% · 4.625%
HK$36,989
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,736/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,501
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,480
−HK$993/mo
Today · 4.125%
HK$38,473
baseline
▲ 0.50% · 4.625%
HK$40,501
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,946/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,185
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,497
−HK$1,333/mo
Today · 4.125%
HK$44,830
baseline
▲ 0.50% · 4.625%
HK$47,558
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,660/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,930
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,189
−HK$1,276/mo
Today · 4.125%
HK$49,465
baseline
▲ 0.50% · 4.625%
HK$52,073
+HK$2,608/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,930/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,416 · Scale 2, in force from 26 Feb 2026)