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$23,288
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,012
−HK$736/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,254
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,908
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,603
−HK$704/mo
Today · 4.125%
HK$27,307
baseline
▲ 0.50% · 4.625%
HK$28,747
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,614/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,946
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,815
−HK$883/mo
Today · 4.125%
HK$29,698
baseline
▲ 0.50% · 4.625%
HK$31,505
+HK$1,807/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,396/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,089
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,923
−HK$846/mo
Today · 4.125%
HK$32,769
baseline
▲ 0.50% · 4.625%
HK$34,496
+HK$1,727/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,538/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,603
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,617
−HK$1,031/mo
Today · 4.125%
HK$34,648
baseline
▲ 0.50% · 4.625%
HK$36,756
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,296/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,271
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,244
−HK$986/mo
Today · 4.125%
HK$38,230
baseline
▲ 0.50% · 4.625%
HK$40,246
+HK$2,016/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,460/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,919
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,222
−HK$1,325/mo
Today · 4.125%
HK$44,547
baseline
▲ 0.50% · 4.625%
HK$47,258
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,094/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,634
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,885
−HK$1,268/mo
Today · 4.125%
HK$49,153
baseline
▲ 0.50% · 4.625%
HK$51,744
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,306/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,985 · Scale 2, in force from 26 Feb 2026)