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$23,407
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,135
−HK$740/mo
Today · 4.125%
HK$24,875
baseline
▲ 0.50% · 4.625%
HK$26,388
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,750/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,040
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,738
−HK$709/mo
Today · 4.125%
HK$27,447
baseline
▲ 0.50% · 4.625%
HK$28,894
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,894/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,088
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,962
−HK$888/mo
Today · 4.125%
HK$29,850
baseline
▲ 0.50% · 4.625%
HK$31,666
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,700/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,248
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,086
−HK$850/mo
Today · 4.125%
HK$32,936
baseline
▲ 0.50% · 4.625%
HK$34,672
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,872/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,770
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,789
−HK$1,036/mo
Today · 4.125%
HK$34,825
baseline
▲ 0.50% · 4.625%
HK$36,944
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,650/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,456
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,434
−HK$992/mo
Today · 4.125%
HK$38,426
baseline
▲ 0.50% · 4.625%
HK$40,451
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,852/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,132
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,443
−HK$1,332/mo
Today · 4.125%
HK$44,775
baseline
▲ 0.50% · 4.625%
HK$47,499
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,550/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,872
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,129
−HK$1,275/mo
Today · 4.125%
HK$49,404
baseline
▲ 0.50% · 4.625%
HK$52,008
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,808/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,939 · Scale 2, in force from 26 Feb 2026)