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$1,468/mo
▼ 0.25% · 3.875%
HK$24,132
−HK$740/mo
Today · 4.125%
HK$24,872
baseline
▲ 0.50% · 4.625%
HK$26,385
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,744/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,037
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,735
−HK$709/mo
Today · 4.125%
HK$27,444
baseline
▲ 0.50% · 4.625%
HK$28,890
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,888/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,085
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,959
−HK$887/mo
Today · 4.125%
HK$29,846
baseline
▲ 0.50% · 4.625%
HK$31,663
+HK$1,817/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$384,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,245
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,083
−HK$850/mo
Today · 4.125%
HK$32,933
baseline
▲ 0.50% · 4.625%
HK$34,669
+HK$1,736/mo
Deposit HK$4.11M · loan HK$6.16M · min. income ≈ HK$65,866/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,766
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,785
−HK$1,036/mo
Today · 4.125%
HK$34,821
baseline
▲ 0.50% · 4.625%
HK$36,940
+HK$2,119/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,642/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,452
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,430
−HK$991/mo
Today · 4.125%
HK$38,421
baseline
▲ 0.50% · 4.625%
HK$40,447
+HK$2,026/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,842/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,128
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,438
−HK$1,332/mo
Today · 4.125%
HK$44,770
baseline
▲ 0.50% · 4.625%
HK$47,494
+HK$2,724/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$89,540/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,867
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,124
−HK$1,275/mo
Today · 4.125%
HK$49,399
baseline
▲ 0.50% · 4.625%
HK$52,003
+HK$2,604/mo
Deposit HK$1.03M · loan HK$9.24M · min. income ≈ HK$98,798/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,897 · Scale 2, in force from 26 Feb 2026)