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$23,415
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,143
−HK$740/mo
Today · 4.125%
HK$24,883
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,766/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,049
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,748
−HK$708/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$28,904
+HK$1,448/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,098
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,972
−HK$888/mo
Today · 4.125%
HK$29,860
baseline
▲ 0.50% · 4.625%
HK$31,677
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,720/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,259
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,097
−HK$851/mo
Today · 4.125%
HK$32,948
baseline
▲ 0.50% · 4.625%
HK$34,684
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,896/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,781
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$1,036/mo
Today · 4.125%
HK$34,837
baseline
▲ 0.50% · 4.625%
HK$36,956
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,674/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,469
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,447
−HK$992/mo
Today · 4.125%
HK$38,439
baseline
▲ 0.50% · 4.625%
HK$40,465
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,878/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,147
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,458
−HK$1,332/mo
Today · 4.125%
HK$44,790
baseline
▲ 0.50% · 4.625%
HK$47,515
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,580/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,888
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,146
−HK$1,275/mo
Today · 4.125%
HK$49,421
baseline
▲ 0.50% · 4.625%
HK$52,026
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,842/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,072 · Scale 2, in force from 26 Feb 2026)