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$23,461
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,190
−HK$742/mo
Today · 4.125%
HK$24,932
baseline
▲ 0.50% · 4.625%
HK$26,449
+HK$1,517/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,864/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,100
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,800
−HK$710/mo
Today · 4.125%
HK$27,510
baseline
▲ 0.50% · 4.625%
HK$28,960
+HK$1,450/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$55,020/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$385,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,153
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,028
−HK$890/mo
Today · 4.125%
HK$29,918
baseline
▲ 0.50% · 4.625%
HK$31,739
+HK$1,821/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$59,836/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,320
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,160
−HK$852/mo
Today · 4.125%
HK$33,012
baseline
▲ 0.50% · 4.625%
HK$34,752
+HK$1,740/mo
Deposit HK$4.12M · loan HK$6.17M · min. income ≈ HK$66,024/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$385,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,845
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,867
−HK$1,038/mo
Today · 4.125%
HK$34,905
baseline
▲ 0.50% · 4.625%
HK$37,028
+HK$2,123/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$69,810/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,540
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,520
−HK$994/mo
Today · 4.125%
HK$38,514
baseline
▲ 0.50% · 4.625%
HK$40,544
+HK$2,030/mo
Deposit HK$3.09M · loan HK$7.20M · min. income ≈ HK$77,028/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,229
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,543
−HK$1,334/mo
Today · 4.125%
HK$44,877
baseline
▲ 0.50% · 4.625%
HK$47,608
+HK$2,731/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$89,754/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,979
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,239
−HK$1,279/mo
Today · 4.125%
HK$49,518
baseline
▲ 0.50% · 4.625%
HK$52,128
+HK$2,610/mo
Deposit HK$1.03M · loan HK$9.26M · min. income ≈ HK$99,036/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,822 · Scale 2, in force from 26 Feb 2026)