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$23,384
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,111
−HK$739/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,362
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,014
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,712
−HK$708/mo
Today · 4.125%
HK$27,420
baseline
▲ 0.50% · 4.625%
HK$28,865
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,840/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,060
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,933
−HK$887/mo
Today · 4.125%
HK$29,820
baseline
▲ 0.50% · 4.625%
HK$31,635
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,640/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,217
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,054
−HK$849/mo
Today · 4.125%
HK$32,903
baseline
▲ 0.50% · 4.625%
HK$34,638
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,806/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,737
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,755
−HK$1,035/mo
Today · 4.125%
HK$34,790
baseline
▲ 0.50% · 4.625%
HK$36,907
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,580/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,420
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,397
−HK$990/mo
Today · 4.125%
HK$38,387
baseline
▲ 0.50% · 4.625%
HK$40,411
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,774/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,091
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,400
−HK$1,330/mo
Today · 4.125%
HK$44,730
baseline
▲ 0.50% · 4.625%
HK$47,452
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,460/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,825
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,081
−HK$1,274/mo
Today · 4.125%
HK$49,355
baseline
▲ 0.50% · 4.625%
HK$51,957
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,710/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,557 · Scale 2, in force from 26 Feb 2026)