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$23,374
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,101
−HK$739/mo
Today · 4.125%
HK$24,840
baseline
▲ 0.50% · 4.625%
HK$26,351
+HK$1,511/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,680/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,004
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,701
−HK$708/mo
Today · 4.125%
HK$27,409
baseline
▲ 0.50% · 4.625%
HK$28,853
+HK$1,444/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,818/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,049
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,922
−HK$886/mo
Today · 4.125%
HK$29,808
baseline
▲ 0.50% · 4.625%
HK$31,622
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,616/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,204
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,041
−HK$849/mo
Today · 4.125%
HK$32,890
baseline
▲ 0.50% · 4.625%
HK$34,624
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,780/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,724
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,742
−HK$1,034/mo
Today · 4.125%
HK$34,776
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,552/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,405
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$991/mo
Today · 4.125%
HK$38,372
baseline
▲ 0.50% · 4.625%
HK$40,395
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,744/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,074
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,382
−HK$1,330/mo
Today · 4.125%
HK$44,712
baseline
▲ 0.50% · 4.625%
HK$47,433
+HK$2,721/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,424/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,806
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,062
−HK$1,273/mo
Today · 4.125%
HK$49,335
baseline
▲ 0.50% · 4.625%
HK$51,936
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,670/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,402 · Scale 2, in force from 26 Feb 2026)