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$23,318
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,043
−HK$737/mo
Today · 4.125%
HK$24,780
baseline
▲ 0.50% · 4.625%
HK$26,288
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,560/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,941
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,637
−HK$705/mo
Today · 4.125%
HK$27,342
baseline
▲ 0.50% · 4.625%
HK$28,784
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,684/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,981
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,852
−HK$884/mo
Today · 4.125%
HK$29,736
baseline
▲ 0.50% · 4.625%
HK$31,545
+HK$1,809/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,472/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,129
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$847/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,540
+HK$1,729/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,622/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,645
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,660
−HK$1,032/mo
Today · 4.125%
HK$34,692
baseline
▲ 0.50% · 4.625%
HK$36,803
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,384/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,317
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,291
−HK$988/mo
Today · 4.125%
HK$38,279
baseline
▲ 0.50% · 4.625%
HK$40,297
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,558/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,972
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,278
−HK$1,326/mo
Today · 4.125%
HK$44,604
baseline
▲ 0.50% · 4.625%
HK$47,318
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,208/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,693
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,946
−HK$1,270/mo
Today · 4.125%
HK$49,216
baseline
▲ 0.50% · 4.625%
HK$51,810
+HK$2,594/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,432/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,473 · Scale 2, in force from 26 Feb 2026)