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$23,306
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,031
−HK$737/mo
Today · 4.125%
HK$24,768
baseline
▲ 0.50% · 4.625%
HK$26,275
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,536/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,928
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,623
−HK$706/mo
Today · 4.125%
HK$27,329
baseline
▲ 0.50% · 4.625%
HK$28,769
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,658/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,967
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,837
−HK$884/mo
Today · 4.125%
HK$29,721
baseline
▲ 0.50% · 4.625%
HK$31,529
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,442/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,113
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,948
−HK$846/mo
Today · 4.125%
HK$32,794
baseline
▲ 0.50% · 4.625%
HK$34,523
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,588/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,628
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,643
−HK$1,032/mo
Today · 4.125%
HK$34,675
baseline
▲ 0.50% · 4.625%
HK$36,784
+HK$2,109/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,350/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,299
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,272
−HK$988/mo
Today · 4.125%
HK$38,260
baseline
▲ 0.50% · 4.625%
HK$40,277
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,520/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,951
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,256
−HK$1,326/mo
Today · 4.125%
HK$44,582
baseline
▲ 0.50% · 4.625%
HK$47,294
+HK$2,712/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,164/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,670
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,922
−HK$1,269/mo
Today · 4.125%
HK$49,191
baseline
▲ 0.50% · 4.625%
HK$51,784
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,382/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,280 · Scale 2, in force from 26 Feb 2026)