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$23,416
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,144
−HK$740/mo
Today · 4.125%
HK$24,884
baseline
▲ 0.50% · 4.625%
HK$26,398
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,768/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,050
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,748
−HK$709/mo
Today · 4.125%
HK$27,457
baseline
▲ 0.50% · 4.625%
HK$28,904
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,914/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,099
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,973
−HK$888/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,678
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,260
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,098
−HK$850/mo
Today · 4.125%
HK$32,948
baseline
▲ 0.50% · 4.625%
HK$34,685
+HK$1,737/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$385,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,782
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,802
−HK$1,036/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,469
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,448
−HK$992/mo
Today · 4.125%
HK$38,440
baseline
▲ 0.50% · 4.625%
HK$40,466
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,880/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,148
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,459
−HK$1,332/mo
Today · 4.125%
HK$44,791
baseline
▲ 0.50% · 4.625%
HK$47,517
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,582/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,889
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,147
−HK$1,276/mo
Today · 4.125%
HK$49,423
baseline
▲ 0.50% · 4.625%
HK$52,028
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,846/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,082 · Scale 2, in force from 26 Feb 2026)