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$23,318
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$737/mo
Today · 4.125%
HK$24,781
baseline
▲ 0.50% · 4.625%
HK$26,289
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,562/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,637
−HK$706/mo
Today · 4.125%
HK$27,343
baseline
▲ 0.50% · 4.625%
HK$28,784
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,686/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,982
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$884/mo
Today · 4.125%
HK$29,737
baseline
▲ 0.50% · 4.625%
HK$31,546
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,474/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,130
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,965
−HK$847/mo
Today · 4.125%
HK$32,812
baseline
▲ 0.50% · 4.625%
HK$34,541
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,624/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,646
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,661
−HK$1,032/mo
Today · 4.125%
HK$34,693
baseline
▲ 0.50% · 4.625%
HK$36,804
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,386/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,318
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,292
−HK$988/mo
Today · 4.125%
HK$38,280
baseline
▲ 0.50% · 4.625%
HK$40,298
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,560/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,973
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,279
−HK$1,326/mo
Today · 4.125%
HK$44,605
baseline
▲ 0.50% · 4.625%
HK$47,319
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,210/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,695
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,947
−HK$1,271/mo
Today · 4.125%
HK$49,218
baseline
▲ 0.50% · 4.625%
HK$51,812
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,436/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,485 · Scale 2, in force from 26 Feb 2026)