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$23,303
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,027
−HK$737/mo
Today · 4.125%
HK$24,764
baseline
▲ 0.50% · 4.625%
HK$26,271
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,528/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,924
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,619
−HK$705/mo
Today · 4.125%
HK$27,324
baseline
▲ 0.50% · 4.625%
HK$28,765
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,648/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,963
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,833
−HK$884/mo
Today · 4.125%
HK$29,717
baseline
▲ 0.50% · 4.625%
HK$31,525
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,434/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,109
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,943
−HK$846/mo
Today · 4.125%
HK$32,789
baseline
▲ 0.50% · 4.625%
HK$34,518
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,578/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,624
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,638
−HK$1,031/mo
Today · 4.125%
HK$34,669
baseline
▲ 0.50% · 4.625%
HK$36,779
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,338/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,293
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,267
−HK$987/mo
Today · 4.125%
HK$38,254
baseline
▲ 0.50% · 4.625%
HK$40,271
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,508/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,945
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,249
−HK$1,326/mo
Today · 4.125%
HK$44,575
baseline
▲ 0.50% · 4.625%
HK$47,287
+HK$2,712/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,150/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,663
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,914
−HK$1,270/mo
Today · 4.125%
HK$49,184
baseline
▲ 0.50% · 4.625%
HK$51,777
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,368/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,223 · Scale 2, in force from 26 Feb 2026)