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$1,468/mo
▼ 0.25% · 3.875%
HK$24,128
−HK$740/mo
Today · 4.125%
HK$24,868
baseline
▲ 0.50% · 4.625%
HK$26,381
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,736/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,033
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,731
−HK$708/mo
Today · 4.125%
HK$27,439
baseline
▲ 0.50% · 4.625%
HK$28,885
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,878/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,080
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,954
−HK$887/mo
Today · 4.125%
HK$29,841
baseline
▲ 0.50% · 4.625%
HK$31,657
+HK$1,816/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,682/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,239
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,077
−HK$850/mo
Today · 4.125%
HK$32,927
baseline
▲ 0.50% · 4.625%
HK$34,662
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,854/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,760
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$1,036/mo
Today · 4.125%
HK$34,815
baseline
▲ 0.50% · 4.625%
HK$36,933
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,630/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,446
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,423
−HK$992/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,440
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,830/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,120
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,431
−HK$1,331/mo
Today · 4.125%
HK$44,762
baseline
▲ 0.50% · 4.625%
HK$47,485
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,524/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,859
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,115
−HK$1,275/mo
Today · 4.125%
HK$49,390
baseline
▲ 0.50% · 4.625%
HK$51,994
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,780/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,830 · Scale 2, in force from 26 Feb 2026)