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$23,317
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,043
−HK$737/mo
Today · 4.125%
HK$24,780
baseline
▲ 0.50% · 4.625%
HK$26,287
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,560/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,940
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$706/mo
Today · 4.125%
HK$27,342
baseline
▲ 0.50% · 4.625%
HK$28,783
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,684/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,981
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,851
−HK$884/mo
Today · 4.125%
HK$29,735
baseline
▲ 0.50% · 4.625%
HK$31,545
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,470/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,128
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,963
−HK$847/mo
Today · 4.125%
HK$32,810
baseline
▲ 0.50% · 4.625%
HK$34,540
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,620/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,644
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,660
−HK$1,031/mo
Today · 4.125%
HK$34,691
baseline
▲ 0.50% · 4.625%
HK$36,802
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,382/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,316
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,290
−HK$988/mo
Today · 4.125%
HK$38,278
baseline
▲ 0.50% · 4.625%
HK$40,296
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,556/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,971
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,277
−HK$1,326/mo
Today · 4.125%
HK$44,603
baseline
▲ 0.50% · 4.625%
HK$47,317
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,206/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,693
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,945
−HK$1,270/mo
Today · 4.125%
HK$49,215
baseline
▲ 0.50% · 4.625%
HK$51,809
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,430/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,466 · Scale 2, in force from 26 Feb 2026)