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$23,297
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,021
−HK$737/mo
Today · 4.125%
HK$24,758
baseline
▲ 0.50% · 4.625%
HK$26,264
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,516/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,917
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,612
−HK$706/mo
Today · 4.125%
HK$27,318
baseline
▲ 0.50% · 4.625%
HK$28,758
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,636/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,956
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,826
−HK$883/mo
Today · 4.125%
HK$29,709
baseline
▲ 0.50% · 4.625%
HK$31,517
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,418/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,101
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,935
−HK$846/mo
Today · 4.125%
HK$32,781
baseline
▲ 0.50% · 4.625%
HK$34,509
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,562/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,615
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,630
−HK$1,031/mo
Today · 4.125%
HK$34,661
baseline
▲ 0.50% · 4.625%
HK$36,770
+HK$2,109/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,322/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,284
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,257
−HK$988/mo
Today · 4.125%
HK$38,245
baseline
▲ 0.50% · 4.625%
HK$40,261
+HK$2,016/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,490/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,238
−HK$1,326/mo
Today · 4.125%
HK$44,564
baseline
▲ 0.50% · 4.625%
HK$47,275
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,128/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,651
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,270/mo
Today · 4.125%
HK$49,172
baseline
▲ 0.50% · 4.625%
HK$51,764
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,344/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,127 · Scale 2, in force from 26 Feb 2026)