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$23,298
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,022
−HK$737/mo
Today · 4.125%
HK$24,759
baseline
▲ 0.50% · 4.625%
HK$26,265
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,518/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,918
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$705/mo
Today · 4.125%
HK$27,319
baseline
▲ 0.50% · 4.625%
HK$28,759
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,638/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,957
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,827
−HK$883/mo
Today · 4.125%
HK$29,710
baseline
▲ 0.50% · 4.625%
HK$31,518
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,420/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,102
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,936
−HK$847/mo
Today · 4.125%
HK$32,783
baseline
▲ 0.50% · 4.625%
HK$34,511
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,566/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,617
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,631
−HK$1,031/mo
Today · 4.125%
HK$34,662
baseline
▲ 0.50% · 4.625%
HK$36,771
+HK$2,109/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,324/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,286
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,259
−HK$987/mo
Today · 4.125%
HK$38,246
baseline
▲ 0.50% · 4.625%
HK$40,262
+HK$2,016/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,492/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,936
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,240
−HK$1,326/mo
Today · 4.125%
HK$44,566
baseline
▲ 0.50% · 4.625%
HK$47,277
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,132/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,653
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,905
−HK$1,269/mo
Today · 4.125%
HK$49,174
baseline
▲ 0.50% · 4.625%
HK$51,766
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,348/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,144 · Scale 2, in force from 26 Feb 2026)