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$23,399
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,126
−HK$740/mo
Today · 4.125%
HK$24,866
baseline
▲ 0.50% · 4.625%
HK$26,379
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,732/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,031
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$708/mo
Today · 4.125%
HK$27,437
baseline
▲ 0.50% · 4.625%
HK$28,883
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,874/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,078
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,952
−HK$887/mo
Today · 4.125%
HK$29,839
baseline
▲ 0.50% · 4.625%
HK$31,655
+HK$1,816/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,678/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,237
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,075
−HK$850/mo
Today · 4.125%
HK$32,925
baseline
▲ 0.50% · 4.625%
HK$34,660
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,850/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,758
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,777
−HK$1,035/mo
Today · 4.125%
HK$34,812
baseline
▲ 0.50% · 4.625%
HK$36,931
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,624/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,443
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,420
−HK$992/mo
Today · 4.125%
HK$38,412
baseline
▲ 0.50% · 4.625%
HK$40,437
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,824/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,118
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,428
−HK$1,331/mo
Today · 4.125%
HK$44,759
baseline
▲ 0.50% · 4.625%
HK$47,482
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,518/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,855
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,112
−HK$1,275/mo
Today · 4.125%
HK$49,387
baseline
▲ 0.50% · 4.625%
HK$51,990
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,774/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,803 · Scale 2, in force from 26 Feb 2026)