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$23,510
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,241
−HK$743/mo
Today · 4.125%
HK$24,984
baseline
▲ 0.50% · 4.625%
HK$26,504
+HK$1,520/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,968/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,154
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,856
−HK$711/mo
Today · 4.125%
HK$27,567
baseline
▲ 0.50% · 4.625%
HK$29,020
+HK$1,453/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,134/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$386,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,212
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$892/mo
Today · 4.125%
HK$29,981
baseline
▲ 0.50% · 4.625%
HK$31,805
+HK$1,824/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$59,962/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,385
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,227
−HK$854/mo
Today · 4.125%
HK$33,081
baseline
▲ 0.50% · 4.625%
HK$34,825
+HK$1,744/mo
Deposit HK$4.12M · loan HK$6.19M · min. income ≈ HK$66,162/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,914
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,937
−HK$1,041/mo
Today · 4.125%
HK$34,978
baseline
▲ 0.50% · 4.625%
HK$37,106
+HK$2,128/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,956/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,616
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,598
−HK$996/mo
Today · 4.125%
HK$38,594
baseline
▲ 0.50% · 4.625%
HK$40,629
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,188/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,318
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,634
−HK$1,337/mo
Today · 4.125%
HK$44,971
baseline
▲ 0.50% · 4.625%
HK$47,708
+HK$2,737/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,942/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,078
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,340
−HK$1,281/mo
Today · 4.125%
HK$49,621
baseline
▲ 0.50% · 4.625%
HK$52,237
+HK$2,616/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,242/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,630 · Scale 2, in force from 26 Feb 2026)