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$23,403
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$739/mo
Today · 4.125%
HK$24,870
baseline
▲ 0.50% · 4.625%
HK$26,384
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,740/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,035
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,734
−HK$708/mo
Today · 4.125%
HK$27,442
baseline
▲ 0.50% · 4.625%
HK$28,888
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,884/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,083
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$887/mo
Today · 4.125%
HK$29,844
baseline
▲ 0.50% · 4.625%
HK$31,660
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,688/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,242
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,080
−HK$850/mo
Today · 4.125%
HK$32,930
baseline
▲ 0.50% · 4.625%
HK$34,666
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,860/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,764
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,783
−HK$1,035/mo
Today · 4.125%
HK$34,818
baseline
▲ 0.50% · 4.625%
HK$36,937
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,636/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,449
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,427
−HK$992/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,444
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,838/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,125
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,435
−HK$1,332/mo
Today · 4.125%
HK$44,767
baseline
▲ 0.50% · 4.625%
HK$47,491
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,534/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,864
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,120
−HK$1,276/mo
Today · 4.125%
HK$49,396
baseline
▲ 0.50% · 4.625%
HK$51,999
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,792/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,871 · Scale 2, in force from 26 Feb 2026)