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$23,397
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,124
−HK$740/mo
Today · 4.125%
HK$24,864
baseline
▲ 0.50% · 4.625%
HK$26,377
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,728/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,029
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,727
−HK$708/mo
Today · 4.125%
HK$27,435
baseline
▲ 0.50% · 4.625%
HK$28,881
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,870/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,076
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,949
−HK$888/mo
Today · 4.125%
HK$29,837
baseline
▲ 0.50% · 4.625%
HK$31,652
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,674/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,234
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,072
−HK$850/mo
Today · 4.125%
HK$32,922
baseline
▲ 0.50% · 4.625%
HK$34,657
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,844/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,755
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,774
−HK$1,035/mo
Today · 4.125%
HK$34,809
baseline
▲ 0.50% · 4.625%
HK$36,927
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,618/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,440
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,417
−HK$992/mo
Today · 4.125%
HK$38,409
baseline
▲ 0.50% · 4.625%
HK$40,433
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,818/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,114
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,424
−HK$1,331/mo
Today · 4.125%
HK$44,755
baseline
▲ 0.50% · 4.625%
HK$47,478
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,510/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,851
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,108
−HK$1,275/mo
Today · 4.125%
HK$49,383
baseline
▲ 0.50% · 4.625%
HK$51,986
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,766/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,771 · Scale 2, in force from 26 Feb 2026)