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$23,285
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,009
−HK$736/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,251
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,904
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,599
−HK$705/mo
Today · 4.125%
HK$27,304
baseline
▲ 0.50% · 4.625%
HK$28,743
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,608/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,942
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,811
−HK$883/mo
Today · 4.125%
HK$29,694
baseline
▲ 0.50% · 4.625%
HK$31,501
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,388/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,085
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,919
−HK$845/mo
Today · 4.125%
HK$32,764
baseline
▲ 0.50% · 4.625%
HK$34,492
+HK$1,728/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,528/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,599
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,613
−HK$1,030/mo
Today · 4.125%
HK$34,643
baseline
▲ 0.50% · 4.625%
HK$36,751
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,286/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,266
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,239
−HK$986/mo
Today · 4.125%
HK$38,225
baseline
▲ 0.50% · 4.625%
HK$40,240
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,450/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,913
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,217
−HK$1,324/mo
Today · 4.125%
HK$44,541
baseline
▲ 0.50% · 4.625%
HK$47,251
+HK$2,710/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,082/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,628
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,878
−HK$1,269/mo
Today · 4.125%
HK$49,147
baseline
▲ 0.50% · 4.625%
HK$51,737
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,294/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,933 · Scale 2, in force from 26 Feb 2026)