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$23,293
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,018
−HK$736/mo
Today · 4.125%
HK$24,754
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,508/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,913
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,608
−HK$705/mo
Today · 4.125%
HK$27,313
baseline
▲ 0.50% · 4.625%
HK$28,753
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,626/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,952
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,821
−HK$884/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,512
+HK$1,807/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,096
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,930
−HK$846/mo
Today · 4.125%
HK$32,776
baseline
▲ 0.50% · 4.625%
HK$34,504
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,552/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,610
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$1,030/mo
Today · 4.125%
HK$34,655
baseline
▲ 0.50% · 4.625%
HK$36,764
+HK$2,109/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,310/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,279
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,252
−HK$987/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,254
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,928
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,232
−HK$1,325/mo
Today · 4.125%
HK$44,557
baseline
▲ 0.50% · 4.625%
HK$47,268
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,114/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,644
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,895
−HK$1,269/mo
Today · 4.125%
HK$49,164
baseline
▲ 0.50% · 4.625%
HK$51,756
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,328/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,069 · Scale 2, in force from 26 Feb 2026)