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$23,414
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,143
−HK$739/mo
Today · 4.125%
HK$24,882
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,515/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,764/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$708/mo
Today · 4.125%
HK$27,455
baseline
▲ 0.50% · 4.625%
HK$28,903
+HK$1,448/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,910/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$385,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,971
−HK$888/mo
Today · 4.125%
HK$29,859
baseline
▲ 0.50% · 4.625%
HK$31,676
+HK$1,817/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,718/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,258
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,096
−HK$850/mo
Today · 4.125%
HK$32,946
baseline
▲ 0.50% · 4.625%
HK$34,683
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,892/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$385,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,780
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,800
−HK$1,035/mo
Today · 4.125%
HK$34,835
baseline
▲ 0.50% · 4.625%
HK$36,955
+HK$2,120/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,670/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,467
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,445
−HK$993/mo
Today · 4.125%
HK$38,438
baseline
▲ 0.50% · 4.625%
HK$40,464
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,876/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$385,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,146
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,457
−HK$1,331/mo
Today · 4.125%
HK$44,788
baseline
▲ 0.50% · 4.625%
HK$47,514
+HK$2,726/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,576/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,887
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,144
−HK$1,276/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,025
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$385,059 · Scale 2, in force from 26 Feb 2026)