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$23,305
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,030
−HK$737/mo
Today · 4.125%
HK$24,767
baseline
▲ 0.50% · 4.625%
HK$26,274
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,534/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,927
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,622
−HK$706/mo
Today · 4.125%
HK$27,328
baseline
▲ 0.50% · 4.625%
HK$28,768
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,656/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,967
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,836
−HK$884/mo
Today · 4.125%
HK$29,720
baseline
▲ 0.50% · 4.625%
HK$31,529
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,440/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,113
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,947
−HK$846/mo
Today · 4.125%
HK$32,793
baseline
▲ 0.50% · 4.625%
HK$34,522
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,586/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,628
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,643
−HK$1,031/mo
Today · 4.125%
HK$34,674
baseline
▲ 0.50% · 4.625%
HK$36,783
+HK$2,109/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,348/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,298
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,271
−HK$988/mo
Today · 4.125%
HK$38,259
baseline
▲ 0.50% · 4.625%
HK$40,276
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,518/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,950
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,255
−HK$1,325/mo
Today · 4.125%
HK$44,580
baseline
▲ 0.50% · 4.625%
HK$47,293
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,160/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,669
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,920
−HK$1,270/mo
Today · 4.125%
HK$49,190
baseline
▲ 0.50% · 4.625%
HK$51,783
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,380/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,271 · Scale 2, in force from 26 Feb 2026)