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$23,404
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,132
−HK$739/mo
Today · 4.125%
HK$24,871
baseline
▲ 0.50% · 4.625%
HK$26,385
+HK$1,514/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,742/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,036
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,735
−HK$708/mo
Today · 4.125%
HK$27,443
baseline
▲ 0.50% · 4.625%
HK$28,890
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,886/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,084
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,958
−HK$888/mo
Today · 4.125%
HK$29,846
baseline
▲ 0.50% · 4.625%
HK$31,662
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,692/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,244
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,082
−HK$850/mo
Today · 4.125%
HK$32,932
baseline
▲ 0.50% · 4.625%
HK$34,668
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,864/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,765
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,784
−HK$1,036/mo
Today · 4.125%
HK$34,820
baseline
▲ 0.50% · 4.625%
HK$36,939
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,640/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,451
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,429
−HK$991/mo
Today · 4.125%
HK$38,420
baseline
▲ 0.50% · 4.625%
HK$40,445
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,840/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,127
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,437
−HK$1,331/mo
Today · 4.125%
HK$44,768
baseline
▲ 0.50% · 4.625%
HK$47,492
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,536/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,866
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,122
−HK$1,276/mo
Today · 4.125%
HK$49,398
baseline
▲ 0.50% · 4.625%
HK$52,001
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,796/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,887 · Scale 2, in force from 26 Feb 2026)