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$23,414
−HK$1,469/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$385,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$709/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$28,903
+HK$1,447/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$385,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,971
−HK$888/mo
Today · 4.125%
HK$29,859
baseline
▲ 0.50% · 4.625%
HK$31,676
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,718/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,258
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,096
−HK$851/mo
Today · 4.125%
HK$32,947
baseline
▲ 0.50% · 4.625%
HK$34,683
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,894/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,780
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,800
−HK$1,036/mo
Today · 4.125%
HK$34,836
baseline
▲ 0.50% · 4.625%
HK$36,955
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,672/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,468
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,446
−HK$992/mo
Today · 4.125%
HK$38,438
baseline
▲ 0.50% · 4.625%
HK$40,464
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,876/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,146
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,457
−HK$1,332/mo
Today · 4.125%
HK$44,789
baseline
▲ 0.50% · 4.625%
HK$47,514
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,578/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,887
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,144
−HK$1,276/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,025
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,061 · Scale 2, in force from 26 Feb 2026)