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$23,309
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,034
−HK$736/mo
Today · 4.125%
HK$24,770
baseline
▲ 0.50% · 4.625%
HK$26,278
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,540/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,931
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,626
−HK$706/mo
Today · 4.125%
HK$27,332
baseline
▲ 0.50% · 4.625%
HK$28,772
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,664/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,971
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,841
−HK$884/mo
Today · 4.125%
HK$29,725
baseline
▲ 0.50% · 4.625%
HK$31,533
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,450/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,117
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,951
−HK$847/mo
Today · 4.125%
HK$32,798
baseline
▲ 0.50% · 4.625%
HK$34,527
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,596/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,632
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,647
−HK$1,032/mo
Today · 4.125%
HK$34,679
baseline
▲ 0.50% · 4.625%
HK$36,789
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,358/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,303
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,277
−HK$987/mo
Today · 4.125%
HK$38,264
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,528/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,956
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,261
−HK$1,326/mo
Today · 4.125%
HK$44,587
baseline
▲ 0.50% · 4.625%
HK$47,300
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,174/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,675
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,927
−HK$1,270/mo
Today · 4.125%
HK$49,197
baseline
▲ 0.50% · 4.625%
HK$51,790
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,394/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,326 · Scale 2, in force from 26 Feb 2026)