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$23,323
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,049
−HK$737/mo
Today · 4.125%
HK$24,786
baseline
▲ 0.50% · 4.625%
HK$26,294
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,572/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,947
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$706/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$28,791
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,988
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,859
−HK$884/mo
Today · 4.125%
HK$29,743
baseline
▲ 0.50% · 4.625%
HK$31,553
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,486/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,137
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,972
−HK$847/mo
Today · 4.125%
HK$32,819
baseline
▲ 0.50% · 4.625%
HK$34,549
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,638/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,653
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$1,031/mo
Today · 4.125%
HK$34,700
baseline
▲ 0.50% · 4.625%
HK$36,812
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,400/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,326
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,300
−HK$989/mo
Today · 4.125%
HK$38,289
baseline
▲ 0.50% · 4.625%
HK$40,307
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,578/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,982
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,288
−HK$1,327/mo
Today · 4.125%
HK$44,615
baseline
▲ 0.50% · 4.625%
HK$47,330
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,230/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,705
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,957
−HK$1,271/mo
Today · 4.125%
HK$49,228
baseline
▲ 0.50% · 4.625%
HK$51,823
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,456/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,567 · Scale 2, in force from 26 Feb 2026)