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$23,378
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,105
−HK$739/mo
Today · 4.125%
HK$24,844
baseline
▲ 0.50% · 4.625%
HK$26,356
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,688/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,008
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,706
−HK$707/mo
Today · 4.125%
HK$27,413
baseline
▲ 0.50% · 4.625%
HK$28,858
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,826/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,054
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,926
−HK$887/mo
Today · 4.125%
HK$29,813
baseline
▲ 0.50% · 4.625%
HK$31,627
+HK$1,814/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,626/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,210
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,047
−HK$849/mo
Today · 4.125%
HK$32,896
baseline
▲ 0.50% · 4.625%
HK$34,630
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,792/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,729
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,748
−HK$1,034/mo
Today · 4.125%
HK$34,782
baseline
▲ 0.50% · 4.625%
HK$36,898
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,564/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,411
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,388
−HK$990/mo
Today · 4.125%
HK$38,378
baseline
▲ 0.50% · 4.625%
HK$40,401
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,756/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,081
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,390
−HK$1,330/mo
Today · 4.125%
HK$44,720
baseline
▲ 0.50% · 4.625%
HK$47,441
+HK$2,721/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,440/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,814
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,070
−HK$1,274/mo
Today · 4.125%
HK$49,344
baseline
▲ 0.50% · 4.625%
HK$51,945
+HK$2,601/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,688/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,467 · Scale 2, in force from 26 Feb 2026)