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$23,296
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,021
−HK$736/mo
Today · 4.125%
HK$24,757
baseline
▲ 0.50% · 4.625%
HK$26,263
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,514/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,917
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,612
−HK$705/mo
Today · 4.125%
HK$27,317
baseline
▲ 0.50% · 4.625%
HK$28,757
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,634/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,955
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$883/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,516
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,416/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,100
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,934
−HK$846/mo
Today · 4.125%
HK$32,780
baseline
▲ 0.50% · 4.625%
HK$34,508
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,560/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,615
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,629
−HK$1,031/mo
Today · 4.125%
HK$34,660
baseline
▲ 0.50% · 4.625%
HK$36,769
+HK$2,109/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,320/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,283
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,256
−HK$988/mo
Today · 4.125%
HK$38,244
baseline
▲ 0.50% · 4.625%
HK$40,260
+HK$2,016/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,488/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,933
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,237
−HK$1,326/mo
Today · 4.125%
HK$44,563
baseline
▲ 0.50% · 4.625%
HK$47,274
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,126/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,650
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,901
−HK$1,269/mo
Today · 4.125%
HK$49,170
baseline
▲ 0.50% · 4.625%
HK$51,762
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,340/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,117 · Scale 2, in force from 26 Feb 2026)