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$23,307
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,032
−HK$737/mo
Today · 4.125%
HK$24,769
baseline
▲ 0.50% · 4.625%
HK$26,276
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,538/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,929
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,625
−HK$705/mo
Today · 4.125%
HK$27,330
baseline
▲ 0.50% · 4.625%
HK$28,771
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,660/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,969
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,839
−HK$884/mo
Today · 4.125%
HK$29,723
baseline
▲ 0.50% · 4.625%
HK$31,531
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,446/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,115
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,950
−HK$846/mo
Today · 4.125%
HK$32,796
baseline
▲ 0.50% · 4.625%
HK$34,525
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,592/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,630
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,645
−HK$1,032/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,787
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,301
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,275
−HK$987/mo
Today · 4.125%
HK$38,262
baseline
▲ 0.50% · 4.625%
HK$40,279
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,524/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,953
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,258
−HK$1,326/mo
Today · 4.125%
HK$44,584
baseline
▲ 0.50% · 4.625%
HK$47,297
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,168/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,673
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,924
−HK$1,270/mo
Today · 4.125%
HK$49,194
baseline
▲ 0.50% · 4.625%
HK$51,787
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,388/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,303 · Scale 2, in force from 26 Feb 2026)