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$23,303
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,028
−HK$736/mo
Today · 4.125%
HK$24,764
baseline
▲ 0.50% · 4.625%
HK$26,271
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,528/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,924
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$705/mo
Today · 4.125%
HK$27,325
baseline
▲ 0.50% · 4.625%
HK$28,765
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,650/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,963
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,833
−HK$884/mo
Today · 4.125%
HK$29,717
baseline
▲ 0.50% · 4.625%
HK$31,525
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,434/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,109
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,943
−HK$847/mo
Today · 4.125%
HK$32,790
baseline
▲ 0.50% · 4.625%
HK$34,518
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,580/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,624
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,639
−HK$1,031/mo
Today · 4.125%
HK$34,670
baseline
▲ 0.50% · 4.625%
HK$36,779
+HK$2,109/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,340/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,294
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,267
−HK$988/mo
Today · 4.125%
HK$38,255
baseline
▲ 0.50% · 4.625%
HK$40,271
+HK$2,016/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,510/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,945
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,250
−HK$1,326/mo
Today · 4.125%
HK$44,576
baseline
▲ 0.50% · 4.625%
HK$47,288
+HK$2,712/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,152/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,664
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,915
−HK$1,270/mo
Today · 4.125%
HK$49,185
baseline
▲ 0.50% · 4.625%
HK$51,777
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,370/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,229 · Scale 2, in force from 26 Feb 2026)