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$23,373
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,100
−HK$739/mo
Today · 4.125%
HK$24,839
baseline
▲ 0.50% · 4.625%
HK$26,350
+HK$1,511/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,678/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,002
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,700
−HK$707/mo
Today · 4.125%
HK$27,407
baseline
▲ 0.50% · 4.625%
HK$28,852
+HK$1,445/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,814/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,048
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,920
−HK$887/mo
Today · 4.125%
HK$29,807
baseline
▲ 0.50% · 4.625%
HK$31,620
+HK$1,813/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,614/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,203
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,040
−HK$849/mo
Today · 4.125%
HK$32,889
baseline
▲ 0.50% · 4.625%
HK$34,622
+HK$1,733/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,778/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$384,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,722
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,740
−HK$1,034/mo
Today · 4.125%
HK$34,774
baseline
▲ 0.50% · 4.625%
HK$36,890
+HK$2,116/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,548/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,403
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,380
−HK$990/mo
Today · 4.125%
HK$38,370
baseline
▲ 0.50% · 4.625%
HK$40,393
+HK$2,023/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,740/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,072
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,380
−HK$1,330/mo
Today · 4.125%
HK$44,710
baseline
▲ 0.50% · 4.625%
HK$47,430
+HK$2,720/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,420/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,804
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,059
−HK$1,274/mo
Today · 4.125%
HK$49,333
baseline
▲ 0.50% · 4.625%
HK$51,933
+HK$2,600/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,666/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,383 · Scale 2, in force from 26 Feb 2026)