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$23,311
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,036
−HK$736/mo
Today · 4.125%
HK$24,772
baseline
▲ 0.50% · 4.625%
HK$26,280
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,544/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,933
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,628
−HK$706/mo
Today · 4.125%
HK$27,334
baseline
▲ 0.50% · 4.625%
HK$28,775
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,668/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,843
−HK$884/mo
Today · 4.125%
HK$29,727
baseline
▲ 0.50% · 4.625%
HK$31,536
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,454/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,119
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,954
−HK$847/mo
Today · 4.125%
HK$32,801
baseline
▲ 0.50% · 4.625%
HK$34,529
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,602/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,650
−HK$1,031/mo
Today · 4.125%
HK$34,681
baseline
▲ 0.50% · 4.625%
HK$36,791
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,362/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,306
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,280
−HK$987/mo
Today · 4.125%
HK$38,267
baseline
▲ 0.50% · 4.625%
HK$40,284
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,534/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,959
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,264
−HK$1,326/mo
Today · 4.125%
HK$44,590
baseline
▲ 0.50% · 4.625%
HK$47,303
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,180/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,679
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,931
−HK$1,270/mo
Today · 4.125%
HK$49,201
baseline
▲ 0.50% · 4.625%
HK$51,794
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,402/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,354 · Scale 2, in force from 26 Feb 2026)