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$23,286
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$736/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,252
+HK$1,505/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,601
−HK$704/mo
Today · 4.125%
HK$27,305
baseline
▲ 0.50% · 4.625%
HK$28,745
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,610/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,944
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,813
−HK$883/mo
Today · 4.125%
HK$29,696
baseline
▲ 0.50% · 4.625%
HK$31,503
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,392/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,087
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,921
−HK$845/mo
Today · 4.125%
HK$32,766
baseline
▲ 0.50% · 4.625%
HK$34,494
+HK$1,728/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,532/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,601
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,615
−HK$1,030/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,753
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,268
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,241
−HK$986/mo
Today · 4.125%
HK$38,227
baseline
▲ 0.50% · 4.625%
HK$40,243
+HK$2,016/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,454/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,915
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,219
−HK$1,325/mo
Today · 4.125%
HK$44,544
baseline
▲ 0.50% · 4.625%
HK$47,254
+HK$2,710/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,088/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,630
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,881
−HK$1,269/mo
Today · 4.125%
HK$49,150
baseline
▲ 0.50% · 4.625%
HK$51,740
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,300/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,955 · Scale 2, in force from 26 Feb 2026)