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$23,299
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,024
−HK$736/mo
Today · 4.125%
HK$24,760
baseline
▲ 0.50% · 4.625%
HK$26,267
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,520/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,920
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,615
−HK$706/mo
Today · 4.125%
HK$27,321
baseline
▲ 0.50% · 4.625%
HK$28,761
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,642/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,959
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,829
−HK$883/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,520
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,104
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$847/mo
Today · 4.125%
HK$32,785
baseline
▲ 0.50% · 4.625%
HK$34,513
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,570/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,634
−HK$1,030/mo
Today · 4.125%
HK$34,664
baseline
▲ 0.50% · 4.625%
HK$36,774
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,328/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,288
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,261
−HK$988/mo
Today · 4.125%
HK$38,249
baseline
▲ 0.50% · 4.625%
HK$40,265
+HK$2,016/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,498/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,939
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,243
−HK$1,326/mo
Today · 4.125%
HK$44,569
baseline
▲ 0.50% · 4.625%
HK$47,280
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,138/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,656
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,908
−HK$1,269/mo
Today · 4.125%
HK$49,177
baseline
▲ 0.50% · 4.625%
HK$51,769
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,354/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,168 · Scale 2, in force from 26 Feb 2026)