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$23,394
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,122
−HK$739/mo
Today · 4.125%
HK$24,861
baseline
▲ 0.50% · 4.625%
HK$26,374
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,722/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,026
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,724
−HK$708/mo
Today · 4.125%
HK$27,432
baseline
▲ 0.50% · 4.625%
HK$28,878
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,864/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,073
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,946
−HK$887/mo
Today · 4.125%
HK$29,833
baseline
▲ 0.50% · 4.625%
HK$31,649
+HK$1,816/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,666/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,231
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,069
−HK$849/mo
Today · 4.125%
HK$32,918
baseline
▲ 0.50% · 4.625%
HK$34,653
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,836/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,752
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,771
−HK$1,035/mo
Today · 4.125%
HK$34,806
baseline
▲ 0.50% · 4.625%
HK$36,924
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,612/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,436
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$992/mo
Today · 4.125%
HK$38,405
baseline
▲ 0.50% · 4.625%
HK$40,429
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,810/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,110
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,419
−HK$1,331/mo
Today · 4.125%
HK$44,750
baseline
▲ 0.50% · 4.625%
HK$47,473
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,500/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,846
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,103
−HK$1,274/mo
Today · 4.125%
HK$49,377
baseline
▲ 0.50% · 4.625%
HK$51,980
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,754/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,730 · Scale 2, in force from 26 Feb 2026)