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$23,407
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,135
−HK$740/mo
Today · 4.125%
HK$24,875
baseline
▲ 0.50% · 4.625%
HK$26,389
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,750/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,040
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,739
−HK$708/mo
Today · 4.125%
HK$27,447
baseline
▲ 0.50% · 4.625%
HK$28,894
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,894/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,089
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,963
−HK$887/mo
Today · 4.125%
HK$29,850
baseline
▲ 0.50% · 4.625%
HK$31,667
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,700/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,249
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,087
−HK$850/mo
Today · 4.125%
HK$32,937
baseline
▲ 0.50% · 4.625%
HK$34,673
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,874/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,770
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,790
−HK$1,035/mo
Today · 4.125%
HK$34,825
baseline
▲ 0.50% · 4.625%
HK$36,944
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,650/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,457
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,434
−HK$992/mo
Today · 4.125%
HK$38,426
baseline
▲ 0.50% · 4.625%
HK$40,452
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,852/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,133
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,444
−HK$1,331/mo
Today · 4.125%
HK$44,775
baseline
▲ 0.50% · 4.625%
HK$47,500
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,550/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,873
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,130
−HK$1,275/mo
Today · 4.125%
HK$49,405
baseline
▲ 0.50% · 4.625%
HK$52,009
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,810/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,946 · Scale 2, in force from 26 Feb 2026)