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$23,293
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,017
−HK$736/mo
Today · 4.125%
HK$24,753
baseline
▲ 0.50% · 4.625%
HK$26,259
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,506/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,913
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,608
−HK$705/mo
Today · 4.125%
HK$27,313
baseline
▲ 0.50% · 4.625%
HK$28,752
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,626/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,951
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,820
−HK$884/mo
Today · 4.125%
HK$29,704
baseline
▲ 0.50% · 4.625%
HK$31,511
+HK$1,807/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,408/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,095
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,929
−HK$846/mo
Today · 4.125%
HK$32,775
baseline
▲ 0.50% · 4.625%
HK$34,503
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,550/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,610
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,624
−HK$1,030/mo
Today · 4.125%
HK$34,654
baseline
▲ 0.50% · 4.625%
HK$36,763
+HK$2,109/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,308/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,278
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,251
−HK$987/mo
Today · 4.125%
HK$38,238
baseline
▲ 0.50% · 4.625%
HK$40,253
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,476/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,927
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,231
−HK$1,325/mo
Today · 4.125%
HK$44,556
baseline
▲ 0.50% · 4.625%
HK$47,267
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,112/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,643
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,894
−HK$1,269/mo
Today · 4.125%
HK$49,163
baseline
▲ 0.50% · 4.625%
HK$51,754
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,326/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,058 · Scale 2, in force from 26 Feb 2026)