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$23,300
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,025
−HK$736/mo
Today · 4.125%
HK$24,761
baseline
▲ 0.50% · 4.625%
HK$26,268
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,522/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,921
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,616
−HK$706/mo
Today · 4.125%
HK$27,322
baseline
▲ 0.50% · 4.625%
HK$28,762
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,644/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,830
−HK$884/mo
Today · 4.125%
HK$29,714
baseline
▲ 0.50% · 4.625%
HK$31,522
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,428/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,105
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,940
−HK$846/mo
Today · 4.125%
HK$32,786
baseline
▲ 0.50% · 4.625%
HK$34,514
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,572/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,620
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,635
−HK$1,031/mo
Today · 4.125%
HK$34,666
baseline
▲ 0.50% · 4.625%
HK$36,775
+HK$2,109/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,332/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,290
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,263
−HK$987/mo
Today · 4.125%
HK$38,250
baseline
▲ 0.50% · 4.625%
HK$40,266
+HK$2,016/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,500/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,940
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,245
−HK$1,325/mo
Today · 4.125%
HK$44,570
baseline
▲ 0.50% · 4.625%
HK$47,282
+HK$2,712/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,140/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,658
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,909
−HK$1,270/mo
Today · 4.125%
HK$49,179
baseline
▲ 0.50% · 4.625%
HK$51,771
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,358/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,183 · Scale 2, in force from 26 Feb 2026)