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$23,387
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,114
−HK$739/mo
Today · 4.125%
HK$24,853
baseline
▲ 0.50% · 4.625%
HK$26,366
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,706/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,017
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,715
−HK$708/mo
Today · 4.125%
HK$27,423
baseline
▲ 0.50% · 4.625%
HK$28,869
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,846/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,064
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$887/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,221
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,058
−HK$850/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,642
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,816/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,741
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$1,035/mo
Today · 4.125%
HK$34,795
baseline
▲ 0.50% · 4.625%
HK$36,912
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,590/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,424
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,401
−HK$991/mo
Today · 4.125%
HK$38,392
baseline
▲ 0.50% · 4.625%
HK$40,416
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,784/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,096
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,405
−HK$1,331/mo
Today · 4.125%
HK$44,736
baseline
▲ 0.50% · 4.625%
HK$47,458
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,472/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,831
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,087
−HK$1,275/mo
Today · 4.125%
HK$49,362
baseline
▲ 0.50% · 4.625%
HK$51,964
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,724/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,607 · Scale 2, in force from 26 Feb 2026)