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$23,398
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,125
−HK$740/mo
Today · 4.125%
HK$24,865
baseline
▲ 0.50% · 4.625%
HK$26,378
+HK$1,513/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,730/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,030
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,728
−HK$708/mo
Today · 4.125%
HK$27,436
baseline
▲ 0.50% · 4.625%
HK$28,882
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,872/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$384,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,077
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,951
−HK$887/mo
Today · 4.125%
HK$29,838
baseline
▲ 0.50% · 4.625%
HK$31,653
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$59,676/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,236
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,073
−HK$850/mo
Today · 4.125%
HK$32,923
baseline
▲ 0.50% · 4.625%
HK$34,659
+HK$1,736/mo
Deposit HK$4.10M · loan HK$6.16M · min. income ≈ HK$65,846/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,757
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,776
−HK$1,035/mo
Today · 4.125%
HK$34,811
baseline
▲ 0.50% · 4.625%
HK$36,929
+HK$2,118/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,622/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,442
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,419
−HK$991/mo
Today · 4.125%
HK$38,410
baseline
▲ 0.50% · 4.625%
HK$40,435
+HK$2,025/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,820/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,116
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,426
−HK$1,331/mo
Today · 4.125%
HK$44,757
baseline
▲ 0.50% · 4.625%
HK$47,480
+HK$2,723/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,514/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,853
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,110
−HK$1,275/mo
Today · 4.125%
HK$49,385
baseline
▲ 0.50% · 4.625%
HK$51,988
+HK$2,603/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,770/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,787 · Scale 2, in force from 26 Feb 2026)