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$23,385
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,113
−HK$739/mo
Today · 4.125%
HK$24,852
baseline
▲ 0.50% · 4.625%
HK$26,364
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,704/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,016
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,714
−HK$708/mo
Today · 4.125%
HK$27,422
baseline
▲ 0.50% · 4.625%
HK$28,867
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,844/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,062
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,935
−HK$887/mo
Today · 4.125%
HK$29,822
baseline
▲ 0.50% · 4.625%
HK$31,637
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,644/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,219
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,056
−HK$850/mo
Today · 4.125%
HK$32,906
baseline
▲ 0.50% · 4.625%
HK$34,640
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,812/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,739
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,758
−HK$1,035/mo
Today · 4.125%
HK$34,793
baseline
▲ 0.50% · 4.625%
HK$36,910
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,586/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,422
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,399
−HK$991/mo
Today · 4.125%
HK$38,390
baseline
▲ 0.50% · 4.625%
HK$40,414
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,780/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,094
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,403
−HK$1,330/mo
Today · 4.125%
HK$44,733
baseline
▲ 0.50% · 4.625%
HK$47,455
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,466/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,829
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,085
−HK$1,274/mo
Today · 4.125%
HK$49,359
baseline
▲ 0.50% · 4.625%
HK$51,961
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,718/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,585 · Scale 2, in force from 26 Feb 2026)