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$23,381
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,109
−HK$739/mo
Today · 4.125%
HK$24,848
baseline
▲ 0.50% · 4.625%
HK$26,360
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,696/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,012
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,709
−HK$708/mo
Today · 4.125%
HK$27,417
baseline
▲ 0.50% · 4.625%
HK$28,862
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,834/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,058
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,930
−HK$887/mo
Today · 4.125%
HK$29,817
baseline
▲ 0.50% · 4.625%
HK$31,631
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,634/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,214
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,051
−HK$849/mo
Today · 4.125%
HK$32,900
baseline
▲ 0.50% · 4.625%
HK$34,634
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,800/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,734
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,752
−HK$1,035/mo
Today · 4.125%
HK$34,787
baseline
▲ 0.50% · 4.625%
HK$36,903
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,574/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,416
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,393
−HK$991/mo
Today · 4.125%
HK$38,384
baseline
▲ 0.50% · 4.625%
HK$40,407
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,768/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,086
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,396
−HK$1,330/mo
Today · 4.125%
HK$44,726
baseline
▲ 0.50% · 4.625%
HK$47,447
+HK$2,721/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,452/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,821
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,076
−HK$1,274/mo
Today · 4.125%
HK$49,350
baseline
▲ 0.50% · 4.625%
HK$51,952
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,700/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,519 · Scale 2, in force from 26 Feb 2026)