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$23,380
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,107
−HK$739/mo
Today · 4.125%
HK$24,846
baseline
▲ 0.50% · 4.625%
HK$26,358
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,692/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,010
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,707
−HK$708/mo
Today · 4.125%
HK$27,415
baseline
▲ 0.50% · 4.625%
HK$28,860
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,830/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,056
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,929
−HK$886/mo
Today · 4.125%
HK$29,815
baseline
▲ 0.50% · 4.625%
HK$31,629
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,630/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,212
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,049
−HK$849/mo
Today · 4.125%
HK$32,898
baseline
▲ 0.50% · 4.625%
HK$34,632
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,796/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,732
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,750
−HK$1,034/mo
Today · 4.125%
HK$34,784
baseline
▲ 0.50% · 4.625%
HK$36,901
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,568/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,414
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,390
−HK$991/mo
Today · 4.125%
HK$38,381
baseline
▲ 0.50% · 4.625%
HK$40,404
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,762/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,084
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,393
−HK$1,330/mo
Today · 4.125%
HK$44,723
baseline
▲ 0.50% · 4.625%
HK$47,444
+HK$2,721/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,446/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,818
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,073
−HK$1,274/mo
Today · 4.125%
HK$49,347
baseline
▲ 0.50% · 4.625%
HK$51,948
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,694/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,494 · Scale 2, in force from 26 Feb 2026)