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$23,316
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,041
−HK$737/mo
Today · 4.125%
HK$24,778
baseline
▲ 0.50% · 4.625%
HK$26,286
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,556/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,939
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,634
−HK$706/mo
Today · 4.125%
HK$27,340
baseline
▲ 0.50% · 4.625%
HK$28,781
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,680/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,979
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,849
−HK$885/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,543
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,468/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,126
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,961
−HK$847/mo
Today · 4.125%
HK$32,808
baseline
▲ 0.50% · 4.625%
HK$34,537
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,616/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,642
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,658
−HK$1,031/mo
Today · 4.125%
HK$34,689
baseline
▲ 0.50% · 4.625%
HK$36,800
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,378/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,314
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,288
−HK$988/mo
Today · 4.125%
HK$38,276
baseline
▲ 0.50% · 4.625%
HK$40,294
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,552/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,969
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,274
−HK$1,326/mo
Today · 4.125%
HK$44,600
baseline
▲ 0.50% · 4.625%
HK$47,314
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,200/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,690
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,942
−HK$1,270/mo
Today · 4.125%
HK$49,212
baseline
▲ 0.50% · 4.625%
HK$51,806
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,424/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,442 · Scale 2, in force from 26 Feb 2026)