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$23,524
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,256
−HK$743/mo
Today · 4.125%
HK$24,999
baseline
▲ 0.50% · 4.625%
HK$26,520
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$49,998/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,170
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$712/mo
Today · 4.125%
HK$27,584
baseline
▲ 0.50% · 4.625%
HK$29,038
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,168/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,229
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$892/mo
Today · 4.125%
HK$29,999
baseline
▲ 0.50% · 4.625%
HK$31,825
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$59,998/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,404
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,247
−HK$854/mo
Today · 4.125%
HK$33,101
baseline
▲ 0.50% · 4.625%
HK$34,846
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,202/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,934
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,958
−HK$1,041/mo
Today · 4.125%
HK$34,999
baseline
▲ 0.50% · 4.625%
HK$37,129
+HK$2,130/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$69,998/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,638
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,621
−HK$997/mo
Today · 4.125%
HK$38,618
baseline
▲ 0.50% · 4.625%
HK$40,654
+HK$2,036/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,236/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,343
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,661
−HK$1,338/mo
Today · 4.125%
HK$44,999
baseline
▲ 0.50% · 4.625%
HK$47,737
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,998/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,107
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,370
−HK$1,282/mo
Today · 4.125%
HK$49,652
baseline
▲ 0.50% · 4.625%
HK$52,269
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,304/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,867 · Scale 2, in force from 26 Feb 2026)