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$23,289
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$736/mo
Today · 4.125%
HK$24,750
baseline
▲ 0.50% · 4.625%
HK$26,256
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,500/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,909
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,604
−HK$705/mo
Today · 4.125%
HK$27,309
baseline
▲ 0.50% · 4.625%
HK$28,749
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,618/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,947
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$883/mo
Today · 4.125%
HK$29,700
baseline
▲ 0.50% · 4.625%
HK$31,507
+HK$1,807/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,400/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,091
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,925
−HK$846/mo
Today · 4.125%
HK$32,771
baseline
▲ 0.50% · 4.625%
HK$34,498
+HK$1,727/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,542/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,605
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,619
−HK$1,031/mo
Today · 4.125%
HK$34,650
baseline
▲ 0.50% · 4.625%
HK$36,758
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,300/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,273
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,246
−HK$987/mo
Today · 4.125%
HK$38,233
baseline
▲ 0.50% · 4.625%
HK$40,248
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,466/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,921
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,225
−HK$1,325/mo
Today · 4.125%
HK$44,550
baseline
▲ 0.50% · 4.625%
HK$47,261
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,100/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,637
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,887
−HK$1,269/mo
Today · 4.125%
HK$49,156
baseline
▲ 0.50% · 4.625%
HK$51,747
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,312/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,007 · Scale 2, in force from 26 Feb 2026)