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$23,395
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,123
−HK$739/mo
Today · 4.125%
HK$24,862
baseline
▲ 0.50% · 4.625%
HK$26,375
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,724/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,027
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,725
−HK$708/mo
Today · 4.125%
HK$27,433
baseline
▲ 0.50% · 4.625%
HK$28,879
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,866/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,074
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,947
−HK$888/mo
Today · 4.125%
HK$29,835
baseline
▲ 0.50% · 4.625%
HK$31,650
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,670/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,232
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$850/mo
Today · 4.125%
HK$32,920
baseline
▲ 0.50% · 4.625%
HK$34,655
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,840/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,753
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,772
−HK$1,035/mo
Today · 4.125%
HK$34,807
baseline
▲ 0.50% · 4.625%
HK$36,925
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,614/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,437
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,415
−HK$991/mo
Today · 4.125%
HK$38,406
baseline
▲ 0.50% · 4.625%
HK$40,431
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,812/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,111
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,421
−HK$1,331/mo
Today · 4.125%
HK$44,752
baseline
▲ 0.50% · 4.625%
HK$47,475
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,504/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,848
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,105
−HK$1,274/mo
Today · 4.125%
HK$49,379
baseline
▲ 0.50% · 4.625%
HK$51,982
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,758/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,744 · Scale 2, in force from 26 Feb 2026)