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$23,399
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,127
−HK$740/mo
Today · 4.125%
HK$24,867
baseline
▲ 0.50% · 4.625%
HK$26,380
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,734/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,031
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,730
−HK$708/mo
Today · 4.125%
HK$27,438
baseline
▲ 0.50% · 4.625%
HK$28,884
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,876/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,079
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,953
−HK$887/mo
Today · 4.125%
HK$29,840
baseline
▲ 0.50% · 4.625%
HK$31,656
+HK$1,816/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,680/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,238
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$849/mo
Today · 4.125%
HK$32,925
baseline
▲ 0.50% · 4.625%
HK$34,661
+HK$1,736/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,850/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,759
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,778
−HK$1,035/mo
Today · 4.125%
HK$34,813
baseline
▲ 0.50% · 4.625%
HK$36,932
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,626/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,444
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,421
−HK$992/mo
Today · 4.125%
HK$38,413
baseline
▲ 0.50% · 4.625%
HK$40,438
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,826/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,119
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,429
−HK$1,331/mo
Today · 4.125%
HK$44,760
baseline
▲ 0.50% · 4.625%
HK$47,483
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,520/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,857
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,113
−HK$1,275/mo
Today · 4.125%
HK$49,388
baseline
▲ 0.50% · 4.625%
HK$51,992
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,776/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,814 · Scale 2, in force from 26 Feb 2026)