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$23,308
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,033
−HK$737/mo
Today · 4.125%
HK$24,770
baseline
▲ 0.50% · 4.625%
HK$26,277
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,540/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,930
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,625
−HK$706/mo
Today · 4.125%
HK$27,331
baseline
▲ 0.50% · 4.625%
HK$28,772
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,662/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,970
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,840
−HK$884/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,532
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,116
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,950
−HK$847/mo
Today · 4.125%
HK$32,797
baseline
▲ 0.50% · 4.625%
HK$34,526
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,594/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,631
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,646
−HK$1,031/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,788
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,302
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$987/mo
Today · 4.125%
HK$38,263
baseline
▲ 0.50% · 4.625%
HK$40,280
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,526/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,954
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,259
−HK$1,326/mo
Today · 4.125%
HK$44,585
baseline
▲ 0.50% · 4.625%
HK$47,298
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,170/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,674
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,926
−HK$1,270/mo
Today · 4.125%
HK$49,196
baseline
▲ 0.50% · 4.625%
HK$51,789
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,392/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,313 · Scale 2, in force from 26 Feb 2026)