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$23,319
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$737/mo
Today · 4.125%
HK$24,781
baseline
▲ 0.50% · 4.625%
HK$26,289
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,562/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,638
−HK$705/mo
Today · 4.125%
HK$27,343
baseline
▲ 0.50% · 4.625%
HK$28,785
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,686/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,982
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$884/mo
Today · 4.125%
HK$29,737
baseline
▲ 0.50% · 4.625%
HK$31,547
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,474/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,130
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,965
−HK$847/mo
Today · 4.125%
HK$32,812
baseline
▲ 0.50% · 4.625%
HK$34,542
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,624/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,646
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,662
−HK$1,031/mo
Today · 4.125%
HK$34,693
baseline
▲ 0.50% · 4.625%
HK$36,804
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,386/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,319
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,293
−HK$988/mo
Today · 4.125%
HK$38,281
baseline
▲ 0.50% · 4.625%
HK$40,299
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,562/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,974
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,279
−HK$1,327/mo
Today · 4.125%
HK$44,606
baseline
▲ 0.50% · 4.625%
HK$47,320
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,212/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,695
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,948
−HK$1,270/mo
Today · 4.125%
HK$49,218
baseline
▲ 0.50% · 4.625%
HK$51,812
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,436/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,489 · Scale 2, in force from 26 Feb 2026)