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$23,400
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,128
−HK$739/mo
Today · 4.125%
HK$24,867
baseline
▲ 0.50% · 4.625%
HK$26,380
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,734/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,032
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,730
−HK$708/mo
Today · 4.125%
HK$27,438
baseline
▲ 0.50% · 4.625%
HK$28,885
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,876/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,080
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,953
−HK$887/mo
Today · 4.125%
HK$29,840
baseline
▲ 0.50% · 4.625%
HK$31,656
+HK$1,816/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,680/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,238
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$850/mo
Today · 4.125%
HK$32,926
baseline
▲ 0.50% · 4.625%
HK$34,662
+HK$1,736/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,852/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,760
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$1,035/mo
Today · 4.125%
HK$34,814
baseline
▲ 0.50% · 4.625%
HK$36,932
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,628/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,445
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,422
−HK$992/mo
Today · 4.125%
HK$38,414
baseline
▲ 0.50% · 4.625%
HK$40,438
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,828/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,119
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,430
−HK$1,331/mo
Today · 4.125%
HK$44,761
baseline
▲ 0.50% · 4.625%
HK$47,484
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,522/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,857
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,114
−HK$1,275/mo
Today · 4.125%
HK$49,389
baseline
▲ 0.50% · 4.625%
HK$51,992
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,778/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,820 · Scale 2, in force from 26 Feb 2026)