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$23,410
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,138
−HK$740/mo
Today · 4.125%
HK$24,878
baseline
▲ 0.50% · 4.625%
HK$26,392
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,756/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,043
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,742
−HK$708/mo
Today · 4.125%
HK$27,450
baseline
▲ 0.50% · 4.625%
HK$28,897
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,900/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,092
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$888/mo
Today · 4.125%
HK$29,854
baseline
▲ 0.50% · 4.625%
HK$31,670
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,708/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,252
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,090
−HK$850/mo
Today · 4.125%
HK$32,940
baseline
▲ 0.50% · 4.625%
HK$34,677
+HK$1,737/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,880/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,774
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,793
−HK$1,036/mo
Today · 4.125%
HK$34,829
baseline
▲ 0.50% · 4.625%
HK$36,948
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$69,658/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,439
−HK$992/mo
Today · 4.125%
HK$38,431
baseline
▲ 0.50% · 4.625%
HK$40,456
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.19M · min. income ≈ HK$76,862/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,138
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,449
−HK$1,331/mo
Today · 4.125%
HK$44,780
baseline
▲ 0.50% · 4.625%
HK$47,505
+HK$2,725/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,560/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,878
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,135
−HK$1,276/mo
Today · 4.125%
HK$49,411
baseline
▲ 0.50% · 4.625%
HK$52,015
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,822/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,989 · Scale 2, in force from 26 Feb 2026)