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$23,313
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,038
−HK$737/mo
Today · 4.125%
HK$24,775
baseline
▲ 0.50% · 4.625%
HK$26,282
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,550/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,935
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,631
−HK$705/mo
Today · 4.125%
HK$27,336
baseline
▲ 0.50% · 4.625%
HK$28,777
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,672/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,975
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,845
−HK$884/mo
Today · 4.125%
HK$29,729
baseline
▲ 0.50% · 4.625%
HK$31,538
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,458/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,122
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,957
−HK$846/mo
Today · 4.125%
HK$32,803
baseline
▲ 0.50% · 4.625%
HK$34,533
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,606/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,638
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,653
−HK$1,031/mo
Today · 4.125%
HK$34,684
baseline
▲ 0.50% · 4.625%
HK$36,795
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,368/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,309
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,283
−HK$988/mo
Today · 4.125%
HK$38,271
baseline
▲ 0.50% · 4.625%
HK$40,288
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,542/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,963
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,268
−HK$1,326/mo
Today · 4.125%
HK$44,594
baseline
▲ 0.50% · 4.625%
HK$47,308
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,188/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,683
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,935
−HK$1,270/mo
Today · 4.125%
HK$49,205
baseline
▲ 0.50% · 4.625%
HK$51,799
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,410/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,388 · Scale 2, in force from 26 Feb 2026)