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$23,294
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,019
−HK$736/mo
Today · 4.125%
HK$24,755
baseline
▲ 0.50% · 4.625%
HK$26,261
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,510/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,914
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,609
−HK$706/mo
Today · 4.125%
HK$27,315
baseline
▲ 0.50% · 4.625%
HK$28,754
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,630/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,953
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,822
−HK$884/mo
Today · 4.125%
HK$29,706
baseline
▲ 0.50% · 4.625%
HK$31,513
+HK$1,807/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,412/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,097
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,931
−HK$846/mo
Today · 4.125%
HK$32,777
baseline
▲ 0.50% · 4.625%
HK$34,505
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,554/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,612
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,626
−HK$1,031/mo
Today · 4.125%
HK$34,657
baseline
▲ 0.50% · 4.625%
HK$36,766
+HK$2,109/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,314/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,280
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,253
−HK$987/mo
Today · 4.125%
HK$38,240
baseline
▲ 0.50% · 4.625%
HK$40,256
+HK$2,016/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,480/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,929
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,234
−HK$1,325/mo
Today · 4.125%
HK$44,559
baseline
▲ 0.50% · 4.625%
HK$47,270
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,118/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,646
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,897
−HK$1,269/mo
Today · 4.125%
HK$49,166
baseline
▲ 0.50% · 4.625%
HK$51,758
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,332/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,084 · Scale 2, in force from 26 Feb 2026)