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$23,291
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,015
−HK$736/mo
Today · 4.125%
HK$24,751
baseline
▲ 0.50% · 4.625%
HK$26,257
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,502/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,911
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,606
−HK$705/mo
Today · 4.125%
HK$27,311
baseline
▲ 0.50% · 4.625%
HK$28,750
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,622/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,949
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,818
−HK$883/mo
Today · 4.125%
HK$29,701
baseline
▲ 0.50% · 4.625%
HK$31,509
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,402/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,093
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,927
−HK$846/mo
Today · 4.125%
HK$32,773
baseline
▲ 0.50% · 4.625%
HK$34,500
+HK$1,727/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,546/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,607
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,621
−HK$1,031/mo
Today · 4.125%
HK$34,652
baseline
▲ 0.50% · 4.625%
HK$36,760
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,304/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,275
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,248
−HK$987/mo
Today · 4.125%
HK$38,235
baseline
▲ 0.50% · 4.625%
HK$40,250
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,470/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,923
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,227
−HK$1,325/mo
Today · 4.125%
HK$44,552
baseline
▲ 0.50% · 4.625%
HK$47,263
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,104/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,639
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,890
−HK$1,269/mo
Today · 4.125%
HK$49,159
baseline
▲ 0.50% · 4.625%
HK$51,750
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,318/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,028 · Scale 2, in force from 26 Feb 2026)