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$24,048
−HK$738/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$383,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,947
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,642
−HK$706/mo
Today · 4.125%
HK$27,348
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,696/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,988
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,858
−HK$885/mo
Today · 4.125%
HK$29,743
baseline
▲ 0.50% · 4.625%
HK$31,552
+HK$1,809/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$383,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,136
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,971
−HK$847/mo
Today · 4.125%
HK$32,818
baseline
▲ 0.50% · 4.625%
HK$34,548
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,636/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,652
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,668
−HK$1,032/mo
Today · 4.125%
HK$34,700
baseline
▲ 0.50% · 4.625%
HK$36,811
+HK$2,111/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$383,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,325
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,299
−HK$989/mo
Today · 4.125%
HK$38,288
baseline
▲ 0.50% · 4.625%
HK$40,306
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,576/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,981
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,287
−HK$1,327/mo
Today · 4.125%
HK$44,614
baseline
▲ 0.50% · 4.625%
HK$47,329
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,228/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,704
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,956
−HK$1,271/mo
Today · 4.125%
HK$49,227
baseline
▲ 0.50% · 4.625%
HK$51,822
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,454/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,559 · Scale 2, in force from 26 Feb 2026)