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$23,299
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,023
−HK$737/mo
Today · 4.125%
HK$24,760
baseline
▲ 0.50% · 4.625%
HK$26,266
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,520/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,920
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,615
−HK$705/mo
Today · 4.125%
HK$27,320
baseline
▲ 0.50% · 4.625%
HK$28,760
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,640/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,958
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,828
−HK$884/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,520
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,103
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$846/mo
Today · 4.125%
HK$32,784
baseline
▲ 0.50% · 4.625%
HK$34,512
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,568/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,618
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,633
−HK$1,031/mo
Today · 4.125%
HK$34,664
baseline
▲ 0.50% · 4.625%
HK$36,773
+HK$2,109/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,328/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,287
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,261
−HK$987/mo
Today · 4.125%
HK$38,248
baseline
▲ 0.50% · 4.625%
HK$40,264
+HK$2,016/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,496/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,938
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,326/mo
Today · 4.125%
HK$44,568
baseline
▲ 0.50% · 4.625%
HK$47,279
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,136/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,655
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,907
−HK$1,269/mo
Today · 4.125%
HK$49,176
baseline
▲ 0.50% · 4.625%
HK$51,768
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,352/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,160 · Scale 2, in force from 26 Feb 2026)