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$23,292
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,016
−HK$736/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,258
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,912
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,607
−HK$705/mo
Today · 4.125%
HK$27,312
baseline
▲ 0.50% · 4.625%
HK$28,751
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,624/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,950
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,819
−HK$884/mo
Today · 4.125%
HK$29,703
baseline
▲ 0.50% · 4.625%
HK$31,510
+HK$1,807/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,406/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,094
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,928
−HK$846/mo
Today · 4.125%
HK$32,774
baseline
▲ 0.50% · 4.625%
HK$34,502
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,548/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,608
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,623
−HK$1,030/mo
Today · 4.125%
HK$34,653
baseline
▲ 0.50% · 4.625%
HK$36,762
+HK$2,109/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,306/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,276
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,249
−HK$987/mo
Today · 4.125%
HK$38,236
baseline
▲ 0.50% · 4.625%
HK$40,252
+HK$2,016/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,472/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,925
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,229
−HK$1,325/mo
Today · 4.125%
HK$44,554
baseline
▲ 0.50% · 4.625%
HK$47,265
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,108/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,641
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,892
−HK$1,269/mo
Today · 4.125%
HK$49,161
baseline
▲ 0.50% · 4.625%
HK$51,752
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,322/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,044 · Scale 2, in force from 26 Feb 2026)