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$23,381
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,108
−HK$739/mo
Today · 4.125%
HK$24,847
baseline
▲ 0.50% · 4.625%
HK$26,359
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,694/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,011
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,708
−HK$708/mo
Today · 4.125%
HK$27,416
baseline
▲ 0.50% · 4.625%
HK$28,861
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,832/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,057
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,930
−HK$886/mo
Today · 4.125%
HK$29,816
baseline
▲ 0.50% · 4.625%
HK$31,631
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,632/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,213
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,050
−HK$849/mo
Today · 4.125%
HK$32,899
baseline
▲ 0.50% · 4.625%
HK$34,633
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,798/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,733
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,751
−HK$1,035/mo
Today · 4.125%
HK$34,786
baseline
▲ 0.50% · 4.625%
HK$36,902
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,572/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,415
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,392
−HK$991/mo
Today · 4.125%
HK$38,383
baseline
▲ 0.50% · 4.625%
HK$40,406
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,766/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,085
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,394
−HK$1,330/mo
Today · 4.125%
HK$44,724
baseline
▲ 0.50% · 4.625%
HK$47,446
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,448/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,819
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,075
−HK$1,274/mo
Today · 4.125%
HK$49,349
baseline
▲ 0.50% · 4.625%
HK$51,950
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,698/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,508 · Scale 2, in force from 26 Feb 2026)