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$23,320
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,045
−HK$737/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,290
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,943
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$705/mo
Today · 4.125%
HK$27,344
baseline
▲ 0.50% · 4.625%
HK$28,786
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,688/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,984
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,854
−HK$884/mo
Today · 4.125%
HK$29,738
baseline
▲ 0.50% · 4.625%
HK$31,548
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,476/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,131
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,966
−HK$847/mo
Today · 4.125%
HK$32,813
baseline
▲ 0.50% · 4.625%
HK$34,543
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,626/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,647
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,663
−HK$1,032/mo
Today · 4.125%
HK$34,695
baseline
▲ 0.50% · 4.625%
HK$36,806
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,390/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,294
−HK$988/mo
Today · 4.125%
HK$38,282
baseline
▲ 0.50% · 4.625%
HK$40,300
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,564/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,975
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,281
−HK$1,327/mo
Today · 4.125%
HK$44,608
baseline
▲ 0.50% · 4.625%
HK$47,322
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,216/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,697
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,950
−HK$1,270/mo
Today · 4.125%
HK$49,220
baseline
▲ 0.50% · 4.625%
HK$51,814
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,440/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,504 · Scale 2, in force from 26 Feb 2026)