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$23,285
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,010
−HK$735/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,251
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,905
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,599
−HK$705/mo
Today · 4.125%
HK$27,304
baseline
▲ 0.50% · 4.625%
HK$28,743
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,608/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,942
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,812
−HK$883/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,501
+HK$1,806/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,086
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,919
−HK$846/mo
Today · 4.125%
HK$32,765
baseline
▲ 0.50% · 4.625%
HK$34,492
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,530/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,599
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,613
−HK$1,031/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,752
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,267
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,239
−HK$987/mo
Today · 4.125%
HK$38,226
baseline
▲ 0.50% · 4.625%
HK$40,241
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,452/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,914
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,217
−HK$1,325/mo
Today · 4.125%
HK$44,542
baseline
▲ 0.50% · 4.625%
HK$47,252
+HK$2,710/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,084/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,628
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,879
−HK$1,269/mo
Today · 4.125%
HK$49,148
baseline
▲ 0.50% · 4.625%
HK$51,738
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,296/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,939 · Scale 2, in force from 26 Feb 2026)