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$23,321
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$737/mo
Today · 4.125%
HK$24,784
baseline
▲ 0.50% · 4.625%
HK$26,292
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,568/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,945
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,641
−HK$705/mo
Today · 4.125%
HK$27,346
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,692/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,986
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,856
−HK$885/mo
Today · 4.125%
HK$29,741
baseline
▲ 0.50% · 4.625%
HK$31,550
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,482/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,134
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,969
−HK$847/mo
Today · 4.125%
HK$32,816
baseline
▲ 0.50% · 4.625%
HK$34,546
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,632/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,650
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,665
−HK$1,032/mo
Today · 4.125%
HK$34,697
baseline
▲ 0.50% · 4.625%
HK$36,809
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,394/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,323
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,297
−HK$988/mo
Today · 4.125%
HK$38,285
baseline
▲ 0.50% · 4.625%
HK$40,303
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,570/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,978
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,284
−HK$1,327/mo
Today · 4.125%
HK$44,611
baseline
▲ 0.50% · 4.625%
HK$47,325
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,222/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,701
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,953
−HK$1,271/mo
Today · 4.125%
HK$49,224
baseline
▲ 0.50% · 4.625%
HK$51,818
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,448/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,532 · Scale 2, in force from 26 Feb 2026)