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$23,437
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,166
−HK$740/mo
Today · 4.125%
HK$24,906
baseline
▲ 0.50% · 4.625%
HK$26,422
+HK$1,516/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$385,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,073
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,772
−HK$710/mo
Today · 4.125%
HK$27,482
baseline
▲ 0.50% · 4.625%
HK$28,930
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,964/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,124
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,999
−HK$889/mo
Today · 4.125%
HK$29,888
baseline
▲ 0.50% · 4.625%
HK$31,706
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$59,776/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,288
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,127
−HK$851/mo
Today · 4.125%
HK$32,978
baseline
▲ 0.50% · 4.625%
HK$34,716
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.17M · min. income ≈ HK$65,956/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,811
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,832
−HK$1,037/mo
Today · 4.125%
HK$34,869
baseline
▲ 0.50% · 4.625%
HK$36,990
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,738/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,502
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,481
−HK$993/mo
Today · 4.125%
HK$38,474
baseline
▲ 0.50% · 4.625%
HK$40,502
+HK$2,028/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,948/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,186
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,498
−HK$1,333/mo
Today · 4.125%
HK$44,831
baseline
▲ 0.50% · 4.625%
HK$47,559
+HK$2,728/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$89,662/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,931
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,190
−HK$1,277/mo
Today · 4.125%
HK$49,467
baseline
▲ 0.50% · 4.625%
HK$52,074
+HK$2,607/mo
Deposit HK$1.03M · loan HK$9.25M · min. income ≈ HK$98,934/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,428 · Scale 2, in force from 26 Feb 2026)