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$23,389
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,117
−HK$739/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,368
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,020
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,718
−HK$708/mo
Today · 4.125%
HK$27,426
baseline
▲ 0.50% · 4.625%
HK$28,872
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,852/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,067
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,940
−HK$887/mo
Today · 4.125%
HK$29,827
baseline
▲ 0.50% · 4.625%
HK$31,642
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,654/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,224
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,062
−HK$849/mo
Today · 4.125%
HK$32,911
baseline
▲ 0.50% · 4.625%
HK$34,646
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,822/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,745
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,763
−HK$1,035/mo
Today · 4.125%
HK$34,798
baseline
▲ 0.50% · 4.625%
HK$36,916
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,596/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,428
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,405
−HK$991/mo
Today · 4.125%
HK$38,396
baseline
▲ 0.50% · 4.625%
HK$40,420
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,792/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,100
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,410
−HK$1,331/mo
Today · 4.125%
HK$44,741
baseline
▲ 0.50% · 4.625%
HK$47,463
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,482/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,836
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,092
−HK$1,275/mo
Today · 4.125%
HK$49,367
baseline
▲ 0.50% · 4.625%
HK$51,969
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,734/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,647 · Scale 2, in force from 26 Feb 2026)