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$23,312
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,037
−HK$737/mo
Today · 4.125%
HK$24,774
baseline
▲ 0.50% · 4.625%
HK$26,281
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,548/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,934
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,630
−HK$706/mo
Today · 4.125%
HK$27,336
baseline
▲ 0.50% · 4.625%
HK$28,777
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,672/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,975
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,845
−HK$884/mo
Today · 4.125%
HK$29,729
baseline
▲ 0.50% · 4.625%
HK$31,538
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,458/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,121
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,956
−HK$847/mo
Today · 4.125%
HK$32,803
baseline
▲ 0.50% · 4.625%
HK$34,532
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,606/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,637
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,652
−HK$1,032/mo
Today · 4.125%
HK$34,684
baseline
▲ 0.50% · 4.625%
HK$36,794
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,368/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,308
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,282
−HK$988/mo
Today · 4.125%
HK$38,270
baseline
▲ 0.50% · 4.625%
HK$40,287
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,540/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,962
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,267
−HK$1,326/mo
Today · 4.125%
HK$44,593
baseline
▲ 0.50% · 4.625%
HK$47,307
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,186/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,682
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,934
−HK$1,270/mo
Today · 4.125%
HK$49,204
baseline
▲ 0.50% · 4.625%
HK$51,798
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,408/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,380 · Scale 2, in force from 26 Feb 2026)