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$23,419
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,147
−HK$740/mo
Today · 4.125%
HK$24,887
baseline
▲ 0.50% · 4.625%
HK$26,401
+HK$1,514/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,774/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,053
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,752
−HK$708/mo
Today · 4.125%
HK$27,460
baseline
▲ 0.50% · 4.625%
HK$28,908
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,920/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,102
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,976
−HK$889/mo
Today · 4.125%
HK$29,865
baseline
▲ 0.50% · 4.625%
HK$31,682
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,730/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,264
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,102
−HK$851/mo
Today · 4.125%
HK$32,953
baseline
▲ 0.50% · 4.625%
HK$34,690
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,906/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,786
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,806
−HK$1,036/mo
Today · 4.125%
HK$34,842
baseline
▲ 0.50% · 4.625%
HK$36,962
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,684/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,474
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,452
−HK$993/mo
Today · 4.125%
HK$38,445
baseline
▲ 0.50% · 4.625%
HK$40,471
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,890/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,153
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,465
−HK$1,332/mo
Today · 4.125%
HK$44,797
baseline
▲ 0.50% · 4.625%
HK$47,523
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,594/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,895
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,153
−HK$1,276/mo
Today · 4.125%
HK$49,429
baseline
▲ 0.50% · 4.625%
HK$52,034
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,858/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,131 · Scale 2, in force from 26 Feb 2026)