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$23,420
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,149
−HK$740/mo
Today · 4.125%
HK$24,889
baseline
▲ 0.50% · 4.625%
HK$26,403
+HK$1,514/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,778/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,754
−HK$709/mo
Today · 4.125%
HK$27,463
baseline
▲ 0.50% · 4.625%
HK$28,910
+HK$1,447/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,926/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,104
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,979
−HK$888/mo
Today · 4.125%
HK$29,867
baseline
▲ 0.50% · 4.625%
HK$31,684
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,734/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,266
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,104
−HK$851/mo
Today · 4.125%
HK$32,955
baseline
▲ 0.50% · 4.625%
HK$34,692
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,910/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,788
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,808
−HK$1,037/mo
Today · 4.125%
HK$34,845
baseline
▲ 0.50% · 4.625%
HK$36,965
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,690/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,477
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,455
−HK$993/mo
Today · 4.125%
HK$38,448
baseline
▲ 0.50% · 4.625%
HK$40,474
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,896/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,157
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,468
−HK$1,332/mo
Today · 4.125%
HK$44,800
baseline
▲ 0.50% · 4.625%
HK$47,526
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,600/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,899
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,157
−HK$1,276/mo
Today · 4.125%
HK$49,433
baseline
▲ 0.50% · 4.625%
HK$52,038
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,866/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,159 · Scale 2, in force from 26 Feb 2026)