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$23,304
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,029
−HK$736/mo
Today · 4.125%
HK$24,765
baseline
▲ 0.50% · 4.625%
HK$26,272
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,530/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,925
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$706/mo
Today · 4.125%
HK$27,326
baseline
▲ 0.50% · 4.625%
HK$28,766
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,652/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,834
−HK$884/mo
Today · 4.125%
HK$29,718
baseline
▲ 0.50% · 4.625%
HK$31,526
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,436/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,110
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,945
−HK$846/mo
Today · 4.125%
HK$32,791
baseline
▲ 0.50% · 4.625%
HK$34,519
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,582/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,625
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,640
−HK$1,031/mo
Today · 4.125%
HK$34,671
baseline
▲ 0.50% · 4.625%
HK$36,781
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,342/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,295
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,269
−HK$987/mo
Today · 4.125%
HK$38,256
baseline
▲ 0.50% · 4.625%
HK$40,273
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,512/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,947
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,251
−HK$1,326/mo
Today · 4.125%
HK$44,577
baseline
▲ 0.50% · 4.625%
HK$47,290
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,154/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,665
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,917
−HK$1,269/mo
Today · 4.125%
HK$49,186
baseline
▲ 0.50% · 4.625%
HK$51,779
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,372/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,242 · Scale 2, in force from 26 Feb 2026)