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$23,314
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,039
−HK$737/mo
Today · 4.125%
HK$24,776
baseline
▲ 0.50% · 4.625%
HK$26,284
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,552/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,937
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,632
−HK$706/mo
Today · 4.125%
HK$27,338
baseline
▲ 0.50% · 4.625%
HK$28,779
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,676/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,977
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,847
−HK$884/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,540
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,124
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,959
−HK$847/mo
Today · 4.125%
HK$32,806
baseline
▲ 0.50% · 4.625%
HK$34,535
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,612/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,640
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,655
−HK$1,032/mo
Today · 4.125%
HK$34,687
baseline
▲ 0.50% · 4.625%
HK$36,797
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,374/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,311
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,285
−HK$988/mo
Today · 4.125%
HK$38,273
baseline
▲ 0.50% · 4.625%
HK$40,291
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,546/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,966
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,271
−HK$1,326/mo
Today · 4.125%
HK$44,597
baseline
▲ 0.50% · 4.625%
HK$47,311
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,194/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,686
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,938
−HK$1,271/mo
Today · 4.125%
HK$49,209
baseline
▲ 0.50% · 4.625%
HK$51,802
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,418/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,414 · Scale 2, in force from 26 Feb 2026)