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$23,325
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$737/mo
Today · 4.125%
HK$24,788
baseline
▲ 0.50% · 4.625%
HK$26,296
+HK$1,508/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,576/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,949
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,645
−HK$706/mo
Today · 4.125%
HK$27,351
baseline
▲ 0.50% · 4.625%
HK$28,793
+HK$1,442/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,702/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$383,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,990
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$885/mo
Today · 4.125%
HK$29,746
baseline
▲ 0.50% · 4.625%
HK$31,556
+HK$1,810/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$59,492/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,139
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,974
−HK$847/mo
Today · 4.125%
HK$32,821
baseline
▲ 0.50% · 4.625%
HK$34,551
+HK$1,730/mo
Deposit HK$4.09M · loan HK$6.14M · min. income ≈ HK$65,642/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$383,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,656
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,671
−HK$1,032/mo
Today · 4.125%
HK$34,703
baseline
▲ 0.50% · 4.625%
HK$36,815
+HK$2,112/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$69,406/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,329
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,303
−HK$989/mo
Today · 4.125%
HK$38,292
baseline
▲ 0.50% · 4.625%
HK$40,310
+HK$2,018/mo
Deposit HK$3.07M · loan HK$7.16M · min. income ≈ HK$76,584/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,986
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,292
−HK$1,327/mo
Today · 4.125%
HK$44,619
baseline
▲ 0.50% · 4.625%
HK$47,333
+HK$2,714/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$89,238/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,709
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,961
−HK$1,271/mo
Today · 4.125%
HK$49,232
baseline
▲ 0.50% · 4.625%
HK$51,827
+HK$2,595/mo
Deposit HK$1.02M · loan HK$9.21M · min. income ≈ HK$98,464/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,598 · Scale 2, in force from 26 Feb 2026)