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$23,402
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,130
−HK$740/mo
Today · 4.125%
HK$24,870
baseline
▲ 0.50% · 4.625%
HK$26,383
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,740/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,035
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,733
−HK$708/mo
Today · 4.125%
HK$27,441
baseline
▲ 0.50% · 4.625%
HK$28,888
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,882/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,083
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,956
−HK$888/mo
Today · 4.125%
HK$29,844
baseline
▲ 0.50% · 4.625%
HK$31,659
+HK$1,815/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,688/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,242
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,079
−HK$850/mo
Today · 4.125%
HK$32,929
baseline
▲ 0.50% · 4.625%
HK$34,665
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,858/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,763
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,782
−HK$1,035/mo
Today · 4.125%
HK$34,817
baseline
▲ 0.50% · 4.625%
HK$36,936
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,634/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,448
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,426
−HK$992/mo
Today · 4.125%
HK$38,418
baseline
▲ 0.50% · 4.625%
HK$40,443
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,836/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,124
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,434
−HK$1,331/mo
Today · 4.125%
HK$44,765
baseline
▲ 0.50% · 4.625%
HK$47,489
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,530/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,862
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,119
−HK$1,275/mo
Today · 4.125%
HK$49,394
baseline
▲ 0.50% · 4.625%
HK$51,998
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,788/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,860 · Scale 2, in force from 26 Feb 2026)