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$23,393
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,121
−HK$739/mo
Today · 4.125%
HK$24,860
baseline
▲ 0.50% · 4.625%
HK$26,373
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,720/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,025
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,723
−HK$708/mo
Today · 4.125%
HK$27,431
baseline
▲ 0.50% · 4.625%
HK$28,877
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,862/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,072
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,945
−HK$887/mo
Today · 4.125%
HK$29,832
baseline
▲ 0.50% · 4.625%
HK$31,647
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,664/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,230
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,067
−HK$850/mo
Today · 4.125%
HK$32,917
baseline
▲ 0.50% · 4.625%
HK$34,652
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,834/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,751
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$1,035/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,922
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,608/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,435
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,412
−HK$991/mo
Today · 4.125%
HK$38,403
baseline
▲ 0.50% · 4.625%
HK$40,427
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,806/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,108
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,418
−HK$1,330/mo
Today · 4.125%
HK$44,748
baseline
▲ 0.50% · 4.625%
HK$47,471
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,496/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,844
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,101
−HK$1,274/mo
Today · 4.125%
HK$49,375
baseline
▲ 0.50% · 4.625%
HK$51,978
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,750/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,714 · Scale 2, in force from 26 Feb 2026)