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$23,375
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,102
−HK$739/mo
Today · 4.125%
HK$24,841
baseline
▲ 0.50% · 4.625%
HK$26,352
+HK$1,511/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,682/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,004
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,702
−HK$707/mo
Today · 4.125%
HK$27,409
baseline
▲ 0.50% · 4.625%
HK$28,854
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,818/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,050
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,923
−HK$886/mo
Today · 4.125%
HK$29,809
baseline
▲ 0.50% · 4.625%
HK$31,623
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,618/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,205
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,042
−HK$849/mo
Today · 4.125%
HK$32,891
baseline
▲ 0.50% · 4.625%
HK$34,625
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,782/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,725
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,743
−HK$1,034/mo
Today · 4.125%
HK$34,777
baseline
▲ 0.50% · 4.625%
HK$36,893
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,554/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,406
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,383
−HK$990/mo
Today · 4.125%
HK$38,373
baseline
▲ 0.50% · 4.625%
HK$40,396
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,746/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,075
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,384
−HK$1,330/mo
Today · 4.125%
HK$44,714
baseline
▲ 0.50% · 4.625%
HK$47,434
+HK$2,720/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,428/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,808
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,063
−HK$1,274/mo
Today · 4.125%
HK$49,337
baseline
▲ 0.50% · 4.625%
HK$51,938
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,674/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,415 · Scale 2, in force from 26 Feb 2026)