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$23,325
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$737/mo
Today · 4.125%
HK$24,788
baseline
▲ 0.50% · 4.625%
HK$26,296
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,576/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,949
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,645
−HK$706/mo
Today · 4.125%
HK$27,351
baseline
▲ 0.50% · 4.625%
HK$28,793
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,702/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,990
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$884/mo
Today · 4.125%
HK$29,745
baseline
▲ 0.50% · 4.625%
HK$31,555
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,490/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,139
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,974
−HK$847/mo
Today · 4.125%
HK$32,821
baseline
▲ 0.50% · 4.625%
HK$34,551
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,642/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,655
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,671
−HK$1,032/mo
Today · 4.125%
HK$34,703
baseline
▲ 0.50% · 4.625%
HK$36,815
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,406/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,329
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,303
−HK$988/mo
Today · 4.125%
HK$38,291
baseline
▲ 0.50% · 4.625%
HK$40,310
+HK$2,019/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,582/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,985
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,291
−HK$1,327/mo
Today · 4.125%
HK$44,618
baseline
▲ 0.50% · 4.625%
HK$47,333
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,236/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,708
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,961
−HK$1,271/mo
Today · 4.125%
HK$49,232
baseline
▲ 0.50% · 4.625%
HK$51,827
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,464/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,596 · Scale 2, in force from 26 Feb 2026)