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$23,423
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$740/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,406
+HK$1,515/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,057
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,756
−HK$709/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$28,913
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,107
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,981
−HK$889/mo
Today · 4.125%
HK$29,870
baseline
▲ 0.50% · 4.625%
HK$31,687
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,740/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,269
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,108
−HK$850/mo
Today · 4.125%
HK$32,958
baseline
▲ 0.50% · 4.625%
HK$34,696
+HK$1,738/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,916/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,792
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,812
−HK$1,036/mo
Today · 4.125%
HK$34,848
baseline
▲ 0.50% · 4.625%
HK$36,968
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,696/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,480
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,459
−HK$992/mo
Today · 4.125%
HK$38,451
baseline
▲ 0.50% · 4.625%
HK$40,478
+HK$2,027/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,902/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,161
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,472
−HK$1,333/mo
Today · 4.125%
HK$44,805
baseline
▲ 0.50% · 4.625%
HK$47,531
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,610/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,903
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,161
−HK$1,276/mo
Today · 4.125%
HK$49,437
baseline
▲ 0.50% · 4.625%
HK$52,043
+HK$2,606/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,874/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,198 · Scale 2, in force from 26 Feb 2026)