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$23,312
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,037
−HK$736/mo
Today · 4.125%
HK$24,773
baseline
▲ 0.50% · 4.625%
HK$26,281
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,546/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,934
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,629
−HK$706/mo
Today · 4.125%
HK$27,335
baseline
▲ 0.50% · 4.625%
HK$28,776
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,670/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,974
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,844
−HK$884/mo
Today · 4.125%
HK$29,728
baseline
▲ 0.50% · 4.625%
HK$31,537
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,456/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,121
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,955
−HK$847/mo
Today · 4.125%
HK$32,802
baseline
▲ 0.50% · 4.625%
HK$34,531
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,604/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,636
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,651
−HK$1,032/mo
Today · 4.125%
HK$34,683
baseline
▲ 0.50% · 4.625%
HK$36,793
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,366/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,308
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,281
−HK$988/mo
Today · 4.125%
HK$38,269
baseline
▲ 0.50% · 4.625%
HK$40,286
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,538/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,961
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,266
−HK$1,326/mo
Today · 4.125%
HK$44,592
baseline
▲ 0.50% · 4.625%
HK$47,306
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,184/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,681
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,933
−HK$1,270/mo
Today · 4.125%
HK$49,203
baseline
▲ 0.50% · 4.625%
HK$51,797
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,406/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,372 · Scale 2, in force from 26 Feb 2026)