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$23,377
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,104
−HK$739/mo
Today · 4.125%
HK$24,843
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,686/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,007
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,704
−HK$708/mo
Today · 4.125%
HK$27,412
baseline
▲ 0.50% · 4.625%
HK$28,857
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,824/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,052
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,925
−HK$887/mo
Today · 4.125%
HK$29,812
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,624/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,208
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,045
−HK$849/mo
Today · 4.125%
HK$32,894
baseline
▲ 0.50% · 4.625%
HK$34,628
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,788/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,728
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,746
−HK$1,034/mo
Today · 4.125%
HK$34,780
baseline
▲ 0.50% · 4.625%
HK$36,896
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,560/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,409
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,386
−HK$991/mo
Today · 4.125%
HK$38,377
baseline
▲ 0.50% · 4.625%
HK$40,399
+HK$2,022/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,754/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,079
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,388
−HK$1,329/mo
Today · 4.125%
HK$44,717
baseline
▲ 0.50% · 4.625%
HK$47,438
+HK$2,721/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,434/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,812
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,068
−HK$1,273/mo
Today · 4.125%
HK$49,341
baseline
▲ 0.50% · 4.625%
HK$51,942
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,682/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,448 · Scale 2, in force from 26 Feb 2026)