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$23,290
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$737/mo
Today · 4.125%
HK$24,751
baseline
▲ 0.50% · 4.625%
HK$26,257
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,502/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,910
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,605
−HK$705/mo
Today · 4.125%
HK$27,310
baseline
▲ 0.50% · 4.625%
HK$28,749
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,620/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,948
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$884/mo
Today · 4.125%
HK$29,701
baseline
▲ 0.50% · 4.625%
HK$31,508
+HK$1,807/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,402/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,092
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,926
−HK$846/mo
Today · 4.125%
HK$32,772
baseline
▲ 0.50% · 4.625%
HK$34,499
+HK$1,727/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,544/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,606
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,620
−HK$1,031/mo
Today · 4.125%
HK$34,651
baseline
▲ 0.50% · 4.625%
HK$36,759
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,302/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,274
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,247
−HK$987/mo
Today · 4.125%
HK$38,234
baseline
▲ 0.50% · 4.625%
HK$40,249
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,468/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,922
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,226
−HK$1,325/mo
Today · 4.125%
HK$44,551
baseline
▲ 0.50% · 4.625%
HK$47,262
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,102/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,638
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,889
−HK$1,269/mo
Today · 4.125%
HK$49,158
baseline
▲ 0.50% · 4.625%
HK$51,749
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,316/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,017 · Scale 2, in force from 26 Feb 2026)