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$23,401
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,128
−HK$740/mo
Today · 4.125%
HK$24,868
baseline
▲ 0.50% · 4.625%
HK$26,381
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,736/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,033
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,731
−HK$708/mo
Today · 4.125%
HK$27,439
baseline
▲ 0.50% · 4.625%
HK$28,886
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,878/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,081
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,954
−HK$888/mo
Today · 4.125%
HK$29,842
baseline
▲ 0.50% · 4.625%
HK$31,657
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,684/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,239
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,077
−HK$850/mo
Today · 4.125%
HK$32,927
baseline
▲ 0.50% · 4.625%
HK$34,663
+HK$1,736/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,854/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,761
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,780
−HK$1,035/mo
Today · 4.125%
HK$34,815
baseline
▲ 0.50% · 4.625%
HK$36,934
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,630/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,446
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,423
−HK$992/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,440
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,830/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,121
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,431
−HK$1,331/mo
Today · 4.125%
HK$44,762
baseline
▲ 0.50% · 4.625%
HK$47,486
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,524/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,859
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,116
−HK$1,275/mo
Today · 4.125%
HK$49,391
baseline
▲ 0.50% · 4.625%
HK$51,994
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,782/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,834 · Scale 2, in force from 26 Feb 2026)