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$23,295
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,020
−HK$736/mo
Today · 4.125%
HK$24,756
baseline
▲ 0.50% · 4.625%
HK$26,262
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,512/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,915
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,610
−HK$706/mo
Today · 4.125%
HK$27,316
baseline
▲ 0.50% · 4.625%
HK$28,755
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,632/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,954
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,823
−HK$884/mo
Today · 4.125%
HK$29,707
baseline
▲ 0.50% · 4.625%
HK$31,515
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,414/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,098
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,933
−HK$846/mo
Today · 4.125%
HK$32,779
baseline
▲ 0.50% · 4.625%
HK$34,506
+HK$1,727/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,558/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,613
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,627
−HK$1,031/mo
Today · 4.125%
HK$34,658
baseline
▲ 0.50% · 4.625%
HK$36,767
+HK$2,109/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,316/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,282
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$987/mo
Today · 4.125%
HK$38,242
baseline
▲ 0.50% · 4.625%
HK$40,258
+HK$2,016/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,484/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,931
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,235
−HK$1,325/mo
Today · 4.125%
HK$44,560
baseline
▲ 0.50% · 4.625%
HK$47,272
+HK$2,712/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,120/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,648
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,899
−HK$1,269/mo
Today · 4.125%
HK$49,168
baseline
▲ 0.50% · 4.625%
HK$51,760
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,336/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,098 · Scale 2, in force from 26 Feb 2026)