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$23,386
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,113
−HK$740/mo
Today · 4.125%
HK$24,853
baseline
▲ 0.50% · 4.625%
HK$26,365
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,706/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,017
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,714
−HK$708/mo
Today · 4.125%
HK$27,422
baseline
▲ 0.50% · 4.625%
HK$28,868
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,844/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,063
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,936
−HK$887/mo
Today · 4.125%
HK$29,823
baseline
▲ 0.50% · 4.625%
HK$31,638
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,646/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,220
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,057
−HK$850/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,641
+HK$1,734/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,740
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,759
−HK$1,035/mo
Today · 4.125%
HK$34,794
baseline
▲ 0.50% · 4.625%
HK$36,911
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,588/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,423
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,400
−HK$991/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,415
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,095
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,404
−HK$1,331/mo
Today · 4.125%
HK$44,735
baseline
▲ 0.50% · 4.625%
HK$47,457
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,470/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,830
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,086
−HK$1,274/mo
Today · 4.125%
HK$49,360
baseline
▲ 0.50% · 4.625%
HK$51,962
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,720/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,596 · Scale 2, in force from 26 Feb 2026)