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$1,469/mo
▼ 0.25% · 3.875%
HK$24,148
−HK$740/mo
Today · 4.125%
HK$24,888
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,514/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$49,776/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,054
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,752
−HK$709/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$28,909
+HK$1,448/mo
Deposit HK$5.14M · loan HK$5.14M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,103
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,977
−HK$888/mo
Today · 4.125%
HK$29,865
baseline
▲ 0.50% · 4.625%
HK$31,683
+HK$1,818/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$385,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,264
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,103
−HK$850/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$385,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,787
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,807
−HK$1,036/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,963
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,475
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,453
−HK$993/mo
Today · 4.125%
HK$38,446
baseline
▲ 0.50% · 4.625%
HK$40,472
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,892/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,154
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,466
−HK$1,332/mo
Today · 4.125%
HK$44,798
baseline
▲ 0.50% · 4.625%
HK$47,524
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,596/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,896
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,154
−HK$1,276/mo
Today · 4.125%
HK$49,430
baseline
▲ 0.50% · 4.625%
HK$52,036
+HK$2,606/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,860/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,141 · Scale 2, in force from 26 Feb 2026)