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$23,412
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,141
−HK$740/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,395
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,046
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$708/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,906/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,095
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,969
−HK$888/mo
Today · 4.125%
HK$29,857
baseline
▲ 0.50% · 4.625%
HK$31,674
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,714/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,255
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,094
−HK$850/mo
Today · 4.125%
HK$32,944
baseline
▲ 0.50% · 4.625%
HK$34,681
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,888/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,777
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,797
−HK$1,036/mo
Today · 4.125%
HK$34,833
baseline
▲ 0.50% · 4.625%
HK$36,952
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,666/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,465
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,443
−HK$992/mo
Today · 4.125%
HK$38,435
baseline
▲ 0.50% · 4.625%
HK$40,461
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,870/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,142
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,453
−HK$1,332/mo
Today · 4.125%
HK$44,785
baseline
▲ 0.50% · 4.625%
HK$47,510
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,570/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,883
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,140
−HK$1,276/mo
Today · 4.125%
HK$49,416
baseline
▲ 0.50% · 4.625%
HK$52,021
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,832/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,031 · Scale 2, in force from 26 Feb 2026)