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$23,315
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,040
−HK$737/mo
Today · 4.125%
HK$24,777
baseline
▲ 0.50% · 4.625%
HK$26,285
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,554/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,938
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,633
−HK$706/mo
Today · 4.125%
HK$27,339
baseline
▲ 0.50% · 4.625%
HK$28,780
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,678/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,978
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,848
−HK$884/mo
Today · 4.125%
HK$29,732
baseline
▲ 0.50% · 4.625%
HK$31,542
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,464/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,125
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,960
−HK$847/mo
Today · 4.125%
HK$32,807
baseline
▲ 0.50% · 4.625%
HK$34,536
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,614/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,641
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,656
−HK$1,032/mo
Today · 4.125%
HK$34,688
baseline
▲ 0.50% · 4.625%
HK$36,799
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,376/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,313
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,287
−HK$988/mo
Today · 4.125%
HK$38,275
baseline
▲ 0.50% · 4.625%
HK$40,292
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,550/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,967
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,272
−HK$1,327/mo
Today · 4.125%
HK$44,599
baseline
▲ 0.50% · 4.625%
HK$47,312
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,198/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,688
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,940
−HK$1,270/mo
Today · 4.125%
HK$49,210
baseline
▲ 0.50% · 4.625%
HK$51,804
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,420/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,428 · Scale 2, in force from 26 Feb 2026)