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$23,511
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,242
−HK$743/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,520/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,155
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,857
−HK$712/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,022
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,213
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,090
−HK$892/mo
Today · 4.125%
HK$29,982
baseline
▲ 0.50% · 4.625%
HK$31,806
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,964/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,387
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,228
−HK$854/mo
Today · 4.125%
HK$33,082
baseline
▲ 0.50% · 4.625%
HK$34,826
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,164/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,915
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,939
−HK$1,040/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$37,108
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,618
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$996/mo
Today · 4.125%
HK$38,596
baseline
▲ 0.50% · 4.625%
HK$40,630
+HK$2,034/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,192/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,319
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,636
−HK$1,337/mo
Today · 4.125%
HK$44,973
baseline
▲ 0.50% · 4.625%
HK$47,710
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,946/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,080
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,343
−HK$1,280/mo
Today · 4.125%
HK$49,623
baseline
▲ 0.50% · 4.625%
HK$52,239
+HK$2,616/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,246/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,647 · Scale 2, in force from 26 Feb 2026)