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$23,405
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,133
−HK$740/mo
Today · 4.125%
HK$24,873
baseline
▲ 0.50% · 4.625%
HK$26,386
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,746/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,038
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,736
−HK$709/mo
Today · 4.125%
HK$27,445
baseline
▲ 0.50% · 4.625%
HK$28,891
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,890/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,086
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,960
−HK$887/mo
Today · 4.125%
HK$29,847
baseline
▲ 0.50% · 4.625%
HK$31,664
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,694/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,246
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,084
−HK$850/mo
Today · 4.125%
HK$32,934
baseline
▲ 0.50% · 4.625%
HK$34,670
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,868/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,767
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,786
−HK$1,036/mo
Today · 4.125%
HK$34,822
baseline
▲ 0.50% · 4.625%
HK$36,941
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,644/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,453
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,431
−HK$992/mo
Today · 4.125%
HK$38,423
baseline
▲ 0.50% · 4.625%
HK$40,448
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,846/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,129
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,440
−HK$1,331/mo
Today · 4.125%
HK$44,771
baseline
▲ 0.50% · 4.625%
HK$47,495
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,542/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,868
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,125
−HK$1,275/mo
Today · 4.125%
HK$49,400
baseline
▲ 0.50% · 4.625%
HK$52,004
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,800/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,909 · Scale 2, in force from 26 Feb 2026)