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$23,307
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,032
−HK$736/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$383,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,929
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,624
−HK$705/mo
Today · 4.125%
HK$27,329
baseline
▲ 0.50% · 4.625%
HK$28,770
+HK$1,441/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$383,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,968
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,838
−HK$884/mo
Today · 4.125%
HK$29,722
baseline
▲ 0.50% · 4.625%
HK$31,530
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,444/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,114
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,949
−HK$846/mo
Today · 4.125%
HK$32,795
baseline
▲ 0.50% · 4.625%
HK$34,524
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,590/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,629
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,644
−HK$1,032/mo
Today · 4.125%
HK$34,676
baseline
▲ 0.50% · 4.625%
HK$36,786
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,352/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,300
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,273
−HK$988/mo
Today · 4.125%
HK$38,261
baseline
▲ 0.50% · 4.625%
HK$40,278
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,522/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,952
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,257
−HK$1,326/mo
Today · 4.125%
HK$44,583
baseline
▲ 0.50% · 4.625%
HK$47,296
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,166/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,671
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,923
−HK$1,270/mo
Today · 4.125%
HK$49,193
baseline
▲ 0.50% · 4.625%
HK$51,786
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,386/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,292 · Scale 2, in force from 26 Feb 2026)