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$23,296
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,021
−HK$736/mo
Today · 4.125%
HK$24,757
baseline
▲ 0.50% · 4.625%
HK$26,264
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,514/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,917
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,612
−HK$705/mo
Today · 4.125%
HK$27,317
baseline
▲ 0.50% · 4.625%
HK$28,757
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,634/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,956
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$884/mo
Today · 4.125%
HK$29,709
baseline
▲ 0.50% · 4.625%
HK$31,516
+HK$1,807/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$383,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,100
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,934
−HK$847/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$383,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,615
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,629
−HK$1,031/mo
Today · 4.125%
HK$34,660
baseline
▲ 0.50% · 4.625%
HK$36,769
+HK$2,109/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,320/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,284
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,257
−HK$987/mo
Today · 4.125%
HK$38,244
baseline
▲ 0.50% · 4.625%
HK$40,260
+HK$2,016/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,488/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,933
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,238
−HK$1,325/mo
Today · 4.125%
HK$44,563
baseline
▲ 0.50% · 4.625%
HK$47,275
+HK$2,712/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,126/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,651
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,269/mo
Today · 4.125%
HK$49,171
baseline
▲ 0.50% · 4.625%
HK$51,763
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,342/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,122 · Scale 2, in force from 26 Feb 2026)