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$23,379
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$739/mo
Today · 4.125%
HK$24,845
baseline
▲ 0.50% · 4.625%
HK$26,357
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,690/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,009
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,707
−HK$707/mo
Today · 4.125%
HK$27,414
baseline
▲ 0.50% · 4.625%
HK$28,859
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,828/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,055
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,928
−HK$886/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,628
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,211
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,048
−HK$849/mo
Today · 4.125%
HK$32,897
baseline
▲ 0.50% · 4.625%
HK$34,631
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,794/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,731
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$1,034/mo
Today · 4.125%
HK$34,783
baseline
▲ 0.50% · 4.625%
HK$36,900
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,566/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,413
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,389
−HK$991/mo
Today · 4.125%
HK$38,380
baseline
▲ 0.50% · 4.625%
HK$40,403
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,760/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,083
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,392
−HK$1,329/mo
Today · 4.125%
HK$44,721
baseline
▲ 0.50% · 4.625%
HK$47,443
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,442/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,816
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,072
−HK$1,274/mo
Today · 4.125%
HK$49,346
baseline
▲ 0.50% · 4.625%
HK$51,947
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,692/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,483 · Scale 2, in force from 26 Feb 2026)