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$23,388
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,115
−HK$739/mo
Today · 4.125%
HK$24,854
baseline
▲ 0.50% · 4.625%
HK$26,367
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,708/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,019
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,716
−HK$708/mo
Today · 4.125%
HK$27,424
baseline
▲ 0.50% · 4.625%
HK$28,870
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,848/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,065
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$887/mo
Today · 4.125%
HK$29,825
baseline
▲ 0.50% · 4.625%
HK$31,640
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,650/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,222
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,060
−HK$849/mo
Today · 4.125%
HK$32,909
baseline
▲ 0.50% · 4.625%
HK$34,644
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,818/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,743
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,761
−HK$1,035/mo
Today · 4.125%
HK$34,796
baseline
▲ 0.50% · 4.625%
HK$36,913
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,592/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,426
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,403
−HK$991/mo
Today · 4.125%
HK$38,394
baseline
▲ 0.50% · 4.625%
HK$40,418
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,788/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,098
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,407
−HK$1,331/mo
Today · 4.125%
HK$44,738
baseline
▲ 0.50% · 4.625%
HK$47,460
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,476/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,833
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,089
−HK$1,275/mo
Today · 4.125%
HK$49,364
baseline
▲ 0.50% · 4.625%
HK$51,966
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,728/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,622 · Scale 2, in force from 26 Feb 2026)