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$23,422
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$740/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,406
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,057
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,756
−HK$709/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$28,912
+HK$1,447/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,107
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,981
−HK$888/mo
Today · 4.125%
HK$29,869
baseline
▲ 0.50% · 4.625%
HK$31,687
+HK$1,818/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,738/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,268
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,107
−HK$851/mo
Today · 4.125%
HK$32,958
baseline
▲ 0.50% · 4.625%
HK$34,695
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,916/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,791
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,811
−HK$1,036/mo
Today · 4.125%
HK$34,847
baseline
▲ 0.50% · 4.625%
HK$36,968
+HK$2,121/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,694/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,480
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,458
−HK$993/mo
Today · 4.125%
HK$38,451
baseline
▲ 0.50% · 4.625%
HK$40,477
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,902/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,160
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,471
−HK$1,333/mo
Today · 4.125%
HK$44,804
baseline
▲ 0.50% · 4.625%
HK$47,530
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,608/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,903
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,160
−HK$1,277/mo
Today · 4.125%
HK$49,437
baseline
▲ 0.50% · 4.625%
HK$52,042
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,874/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,191 · Scale 2, in force from 26 Feb 2026)