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$23,324
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,050
−HK$737/mo
Today · 4.125%
HK$24,787
baseline
▲ 0.50% · 4.625%
HK$26,295
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,574/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,948
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,644
−HK$706/mo
Today · 4.125%
HK$27,350
baseline
▲ 0.50% · 4.625%
HK$28,792
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,700/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,989
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,860
−HK$884/mo
Today · 4.125%
HK$29,744
baseline
▲ 0.50% · 4.625%
HK$31,554
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,488/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,138
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,973
−HK$847/mo
Today · 4.125%
HK$32,820
baseline
▲ 0.50% · 4.625%
HK$34,550
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,640/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,654
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,670
−HK$1,032/mo
Today · 4.125%
HK$34,702
baseline
▲ 0.50% · 4.625%
HK$36,813
+HK$2,111/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,404/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,327
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,302
−HK$988/mo
Today · 4.125%
HK$38,290
baseline
▲ 0.50% · 4.625%
HK$40,308
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,580/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,984
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,290
−HK$1,327/mo
Today · 4.125%
HK$44,617
baseline
▲ 0.50% · 4.625%
HK$47,332
+HK$2,715/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,234/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,707
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,959
−HK$1,271/mo
Today · 4.125%
HK$49,230
baseline
▲ 0.50% · 4.625%
HK$51,825
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,460/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,583 · Scale 2, in force from 26 Feb 2026)