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$23,317
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$737/mo
Today · 4.125%
HK$24,779
baseline
▲ 0.50% · 4.625%
HK$26,287
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,558/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,940
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$705/mo
Today · 4.125%
HK$27,341
baseline
▲ 0.50% · 4.625%
HK$28,782
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,682/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,980
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,851
−HK$884/mo
Today · 4.125%
HK$29,735
baseline
▲ 0.50% · 4.625%
HK$31,544
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,470/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,128
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,963
−HK$847/mo
Today · 4.125%
HK$32,810
baseline
▲ 0.50% · 4.625%
HK$34,539
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,620/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,644
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,659
−HK$1,032/mo
Today · 4.125%
HK$34,691
baseline
▲ 0.50% · 4.625%
HK$36,802
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,382/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,316
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,290
−HK$988/mo
Today · 4.125%
HK$38,278
baseline
▲ 0.50% · 4.625%
HK$40,295
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,556/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,970
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,276
−HK$1,326/mo
Today · 4.125%
HK$44,602
baseline
▲ 0.50% · 4.625%
HK$47,316
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,204/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,692
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,944
−HK$1,270/mo
Today · 4.125%
HK$49,214
baseline
▲ 0.50% · 4.625%
HK$51,808
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,428/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,459 · Scale 2, in force from 26 Feb 2026)