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$23,406
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$740/mo
Today · 4.125%
HK$24,874
baseline
▲ 0.50% · 4.625%
HK$26,387
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,748/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,737
−HK$709/mo
Today · 4.125%
HK$27,446
baseline
▲ 0.50% · 4.625%
HK$28,893
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,892/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,087
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,961
−HK$888/mo
Today · 4.125%
HK$29,849
baseline
▲ 0.50% · 4.625%
HK$31,665
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,698/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,247
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,085
−HK$850/mo
Today · 4.125%
HK$32,935
baseline
▲ 0.50% · 4.625%
HK$34,671
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,870/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,768
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,788
−HK$1,035/mo
Today · 4.125%
HK$34,823
baseline
▲ 0.50% · 4.625%
HK$36,942
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,646/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,455
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,432
−HK$992/mo
Today · 4.125%
HK$38,424
baseline
▲ 0.50% · 4.625%
HK$40,450
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,848/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,131
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,441
−HK$1,332/mo
Today · 4.125%
HK$44,773
baseline
▲ 0.50% · 4.625%
HK$47,497
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,546/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,870
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,127
−HK$1,275/mo
Today · 4.125%
HK$49,402
baseline
▲ 0.50% · 4.625%
HK$52,007
+HK$2,605/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,804/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,925 · Scale 2, in force from 26 Feb 2026)