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$23,311
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,036
−HK$737/mo
Today · 4.125%
HK$24,773
baseline
▲ 0.50% · 4.625%
HK$26,280
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,546/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,933
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,629
−HK$705/mo
Today · 4.125%
HK$27,334
baseline
▲ 0.50% · 4.625%
HK$28,775
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,668/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,843
−HK$884/mo
Today · 4.125%
HK$29,727
baseline
▲ 0.50% · 4.625%
HK$31,536
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,454/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,120
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,954
−HK$847/mo
Today · 4.125%
HK$32,801
baseline
▲ 0.50% · 4.625%
HK$34,530
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,602/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,650
−HK$1,032/mo
Today · 4.125%
HK$34,682
baseline
▲ 0.50% · 4.625%
HK$36,792
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,364/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,306
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,280
−HK$988/mo
Today · 4.125%
HK$38,268
baseline
▲ 0.50% · 4.625%
HK$40,285
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,536/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,959
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,265
−HK$1,326/mo
Today · 4.125%
HK$44,591
baseline
▲ 0.50% · 4.625%
HK$47,304
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,182/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,679
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,931
−HK$1,270/mo
Today · 4.125%
HK$49,201
baseline
▲ 0.50% · 4.625%
HK$51,795
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,402/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,359 · Scale 2, in force from 26 Feb 2026)