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$23,408
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,136
−HK$740/mo
Today · 4.125%
HK$24,876
baseline
▲ 0.50% · 4.625%
HK$26,390
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,752/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,042
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,740
−HK$709/mo
Today · 4.125%
HK$27,449
baseline
▲ 0.50% · 4.625%
HK$28,895
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,898/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,090
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,964
−HK$888/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,668
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,250
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,088
−HK$850/mo
Today · 4.125%
HK$32,938
baseline
▲ 0.50% · 4.625%
HK$34,674
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,876/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,772
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,791
−HK$1,036/mo
Today · 4.125%
HK$34,827
baseline
▲ 0.50% · 4.625%
HK$36,946
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,654/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,458
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,436
−HK$992/mo
Today · 4.125%
HK$38,428
baseline
▲ 0.50% · 4.625%
HK$40,453
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,856/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,135
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,446
−HK$1,331/mo
Today · 4.125%
HK$44,777
baseline
▲ 0.50% · 4.625%
HK$47,502
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,554/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,875
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,132
−HK$1,275/mo
Today · 4.125%
HK$49,407
baseline
▲ 0.50% · 4.625%
HK$52,012
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,814/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,963 · Scale 2, in force from 26 Feb 2026)