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$23,391
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,118
−HK$740/mo
Today · 4.125%
HK$24,858
baseline
▲ 0.50% · 4.625%
HK$26,370
+HK$1,512/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$49,716/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,022
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,720
−HK$708/mo
Today · 4.125%
HK$27,428
baseline
▲ 0.50% · 4.625%
HK$28,874
+HK$1,446/mo
Deposit HK$5.13M · loan HK$5.13M · min. income ≈ HK$54,856/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$384,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,069
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,942
−HK$887/mo
Today · 4.125%
HK$29,829
baseline
▲ 0.50% · 4.625%
HK$31,644
+HK$1,815/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$59,658/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,226
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,064
−HK$849/mo
Today · 4.125%
HK$32,913
baseline
▲ 0.50% · 4.625%
HK$34,648
+HK$1,735/mo
Deposit HK$4.10M · loan HK$6.15M · min. income ≈ HK$65,826/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$384,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,747
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,766
−HK$1,035/mo
Today · 4.125%
HK$34,801
baseline
▲ 0.50% · 4.625%
HK$36,918
+HK$2,117/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$69,602/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,431
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,408
−HK$991/mo
Today · 4.125%
HK$38,399
baseline
▲ 0.50% · 4.625%
HK$40,423
+HK$2,024/mo
Deposit HK$3.08M · loan HK$7.18M · min. income ≈ HK$76,798/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$384,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,103
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,413
−HK$1,331/mo
Today · 4.125%
HK$44,744
baseline
▲ 0.50% · 4.625%
HK$47,466
+HK$2,722/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$89,488/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,840
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,096
−HK$1,274/mo
Today · 4.125%
HK$49,370
baseline
▲ 0.50% · 4.625%
HK$51,972
+HK$2,602/mo
Deposit HK$1.03M · loan HK$9.23M · min. income ≈ HK$98,740/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$384,673 · Scale 2, in force from 26 Feb 2026)