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$23,298
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,023
−HK$736/mo
Today · 4.125%
HK$24,759
baseline
▲ 0.50% · 4.625%
HK$26,266
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,518/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,919
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$706/mo
Today · 4.125%
HK$27,320
baseline
▲ 0.50% · 4.625%
HK$28,760
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,640/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,958
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,828
−HK$883/mo
Today · 4.125%
HK$29,711
baseline
▲ 0.50% · 4.625%
HK$31,519
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,422/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,103
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,937
−HK$846/mo
Today · 4.125%
HK$32,783
baseline
▲ 0.50% · 4.625%
HK$34,512
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,566/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,618
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,632
−HK$1,031/mo
Today · 4.125%
HK$34,663
baseline
▲ 0.50% · 4.625%
HK$36,772
+HK$2,109/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,326/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,287
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,260
−HK$987/mo
Today · 4.125%
HK$38,247
baseline
▲ 0.50% · 4.625%
HK$40,263
+HK$2,016/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,494/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,937
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,325/mo
Today · 4.125%
HK$44,567
baseline
▲ 0.50% · 4.625%
HK$47,279
+HK$2,712/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,134/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,655
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,906
−HK$1,269/mo
Today · 4.125%
HK$49,175
baseline
▲ 0.50% · 4.625%
HK$51,767
+HK$2,592/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,350/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,155 · Scale 2, in force from 26 Feb 2026)