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$23,320
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,046
−HK$737/mo
Today · 4.125%
HK$24,783
baseline
▲ 0.50% · 4.625%
HK$26,291
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,566/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,944
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,640
−HK$705/mo
Today · 4.125%
HK$27,345
baseline
▲ 0.50% · 4.625%
HK$28,787
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,690/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,985
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,855
−HK$884/mo
Today · 4.125%
HK$29,739
baseline
▲ 0.50% · 4.625%
HK$31,549
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,478/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,133
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,968
−HK$847/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,544
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,649
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,664
−HK$1,032/mo
Today · 4.125%
HK$34,696
baseline
▲ 0.50% · 4.625%
HK$36,807
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,392/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,321
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,295
−HK$989/mo
Today · 4.125%
HK$38,284
baseline
▲ 0.50% · 4.625%
HK$40,302
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,568/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,977
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,283
−HK$1,326/mo
Today · 4.125%
HK$44,609
baseline
▲ 0.50% · 4.625%
HK$47,324
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,218/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,699
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,951
−HK$1,271/mo
Today · 4.125%
HK$49,222
baseline
▲ 0.50% · 4.625%
HK$51,816
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,444/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,518 · Scale 2, in force from 26 Feb 2026)