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$23,415
−HK$1,469/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$385,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,049
−HK$1,408/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$385,080 · 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$385,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,259
−HK$1,689/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$385,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,782
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$1,036/mo
Today · 4.125%
HK$34,837
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,674/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,469
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,447
−HK$993/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$385,080 · 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$47,516
+HK$2,725/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$385,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,889
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,147
−HK$1,275/mo
Today · 4.125%
HK$49,422
baseline
▲ 0.50% · 4.625%
HK$52,027
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,844/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,080 · Scale 2, in force from 26 Feb 2026)