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$23,396
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,124
−HK$739/mo
Today · 4.125%
HK$24,863
baseline
▲ 0.50% · 4.625%
HK$26,376
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,726/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,028
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,726
−HK$708/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$28,880
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,075
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,949
−HK$887/mo
Today · 4.125%
HK$29,836
baseline
▲ 0.50% · 4.625%
HK$31,651
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,672/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,233
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,071
−HK$850/mo
Today · 4.125%
HK$32,921
baseline
▲ 0.50% · 4.625%
HK$34,656
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,842/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,754
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,773
−HK$1,035/mo
Today · 4.125%
HK$34,808
baseline
▲ 0.50% · 4.625%
HK$36,927
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,616/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,439
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$992/mo
Today · 4.125%
HK$38,408
baseline
▲ 0.50% · 4.625%
HK$40,432
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,816/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,113
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,423
−HK$1,331/mo
Today · 4.125%
HK$44,754
baseline
▲ 0.50% · 4.625%
HK$47,477
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,508/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,850
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,107
−HK$1,274/mo
Today · 4.125%
HK$49,381
baseline
▲ 0.50% · 4.625%
HK$51,984
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,762/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,761 · Scale 2, in force from 26 Feb 2026)