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$23,403
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$740/mo
Today · 4.125%
HK$24,871
baseline
▲ 0.50% · 4.625%
HK$26,384
+HK$1,513/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$384,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,036
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,734
−HK$708/mo
Today · 4.125%
HK$27,442
baseline
▲ 0.50% · 4.625%
HK$28,889
+HK$1,447/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,884/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,084
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$888/mo
Today · 4.125%
HK$29,845
baseline
▲ 0.50% · 4.625%
HK$31,661
+HK$1,816/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$59,690/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,243
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,081
−HK$850/mo
Today · 4.125%
HK$32,931
baseline
▲ 0.50% · 4.625%
HK$34,667
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,862/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,764
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,783
−HK$1,036/mo
Today · 4.125%
HK$34,819
baseline
▲ 0.50% · 4.625%
HK$36,937
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,638/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,450
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,427
−HK$992/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,444
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,838/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,125
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,436
−HK$1,331/mo
Today · 4.125%
HK$44,767
baseline
▲ 0.50% · 4.625%
HK$47,491
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,534/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,864
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,121
−HK$1,275/mo
Today · 4.125%
HK$49,396
baseline
▲ 0.50% · 4.625%
HK$52,000
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,792/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,875 · Scale 2, in force from 26 Feb 2026)