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$24,120
−HK$740/mo
Today · 4.125%
HK$24,860
baseline
▲ 0.50% · 4.625%
HK$26,372
+HK$1,512/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$384,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,024
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,722
−HK$708/mo
Today · 4.125%
HK$27,430
baseline
▲ 0.50% · 4.625%
HK$28,876
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,860/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,761/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$384,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,067
−HK$849/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,651
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,750
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$1,035/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,921
+HK$2,117/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$384,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,434
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,411
−HK$991/mo
Today · 4.125%
HK$38,402
baseline
▲ 0.50% · 4.625%
HK$40,427
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,804/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,107
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,417
−HK$1,331/mo
Today · 4.125%
HK$44,748
baseline
▲ 0.50% · 4.625%
HK$47,470
+HK$2,722/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$384,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,844
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,100
−HK$1,274/mo
Today · 4.125%
HK$49,374
baseline
▲ 0.50% · 4.625%
HK$51,977
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,748/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,707 · Scale 2, in force from 26 Feb 2026)