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$23,376
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,103
−HK$739/mo
Today · 4.125%
HK$24,842
baseline
▲ 0.50% · 4.625%
HK$26,353
+HK$1,511/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,684/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,005
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,703
−HK$707/mo
Today · 4.125%
HK$27,410
baseline
▲ 0.50% · 4.625%
HK$28,855
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,820/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,051
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,923
−HK$887/mo
Today · 4.125%
HK$29,810
baseline
▲ 0.50% · 4.625%
HK$31,624
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,620/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,206
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,043
−HK$849/mo
Today · 4.125%
HK$32,892
baseline
▲ 0.50% · 4.625%
HK$34,626
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,784/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,726
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,744
−HK$1,034/mo
Today · 4.125%
HK$34,778
baseline
▲ 0.50% · 4.625%
HK$36,894
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,556/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,407
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,384
−HK$990/mo
Today · 4.125%
HK$38,374
baseline
▲ 0.50% · 4.625%
HK$40,397
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,748/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,076
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,385
−HK$1,330/mo
Today · 4.125%
HK$44,715
baseline
▲ 0.50% · 4.625%
HK$47,436
+HK$2,721/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,430/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,809
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,065
−HK$1,273/mo
Today · 4.125%
HK$49,338
baseline
▲ 0.50% · 4.625%
HK$51,939
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,676/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,425 · Scale 2, in force from 26 Feb 2026)