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$23,406
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$739/mo
Today · 4.125%
HK$24,873
baseline
▲ 0.50% · 4.625%
HK$26,387
+HK$1,514/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$384,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,737
−HK$708/mo
Today · 4.125%
HK$27,445
baseline
▲ 0.50% · 4.625%
HK$28,892
+HK$1,447/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$384,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,087
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,960
−HK$888/mo
Today · 4.125%
HK$29,848
baseline
▲ 0.50% · 4.625%
HK$31,664
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,696/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,918 · 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$384,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,768
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,787
−HK$1,036/mo
Today · 4.125%
HK$34,823
baseline
▲ 0.50% · 4.625%
HK$36,942
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,646/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,454
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,432
−HK$991/mo
Today · 4.125%
HK$38,423
baseline
▲ 0.50% · 4.625%
HK$40,449
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,846/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,130
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,441
−HK$1,331/mo
Today · 4.125%
HK$44,772
baseline
▲ 0.50% · 4.625%
HK$47,496
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,544/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,869
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,126
−HK$1,276/mo
Today · 4.125%
HK$49,402
baseline
▲ 0.50% · 4.625%
HK$52,006
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,804/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,918 · Scale 2, in force from 26 Feb 2026)