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$23,287
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,012
−HK$735/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,907
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$704/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,746
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,945
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,814
−HK$883/mo
Today · 4.125%
HK$29,697
baseline
▲ 0.50% · 4.625%
HK$31,504
+HK$1,807/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,394/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,088
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,922
−HK$846/mo
Today · 4.125%
HK$32,768
baseline
▲ 0.50% · 4.625%
HK$34,495
+HK$1,727/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,536/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,602
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,616
−HK$1,030/mo
Today · 4.125%
HK$34,646
baseline
▲ 0.50% · 4.625%
HK$36,755
+HK$2,109/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,292/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,269
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,242
−HK$987/mo
Today · 4.125%
HK$38,229
baseline
▲ 0.50% · 4.625%
HK$40,244
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,458/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,917
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,221
−HK$1,324/mo
Today · 4.125%
HK$44,545
baseline
▲ 0.50% · 4.625%
HK$47,256
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,090/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,632
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,883
−HK$1,268/mo
Today · 4.125%
HK$49,151
baseline
▲ 0.50% · 4.625%
HK$51,742
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,302/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,970 · Scale 2, in force from 26 Feb 2026)