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$23,378
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,105
−HK$739/mo
Today · 4.125%
HK$24,844
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,511/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,688/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,007
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,705
−HK$707/mo
Today · 4.125%
HK$27,412
baseline
▲ 0.50% · 4.625%
HK$28,857
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,824/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,053
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,926
−HK$886/mo
Today · 4.125%
HK$29,812
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,624/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,209
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,046
−HK$849/mo
Today · 4.125%
HK$32,895
baseline
▲ 0.50% · 4.625%
HK$34,629
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,790/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,729
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,747
−HK$1,034/mo
Today · 4.125%
HK$34,781
baseline
▲ 0.50% · 4.625%
HK$36,897
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,562/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,410
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,387
−HK$990/mo
Today · 4.125%
HK$38,377
baseline
▲ 0.50% · 4.625%
HK$40,400
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,754/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,080
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,389
−HK$1,329/mo
Today · 4.125%
HK$44,718
baseline
▲ 0.50% · 4.625%
HK$47,439
+HK$2,721/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,436/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,813
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,069
−HK$1,273/mo
Today · 4.125%
HK$49,342
baseline
▲ 0.50% · 4.625%
HK$51,943
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,684/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,457 · Scale 2, in force from 26 Feb 2026)