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$23,294
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,018
−HK$736/mo
Today · 4.125%
HK$24,754
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,508/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,914
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,609
−HK$705/mo
Today · 4.125%
HK$27,314
baseline
▲ 0.50% · 4.625%
HK$28,754
+HK$1,440/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,628/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,952
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,822
−HK$883/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,513
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,097
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,931
−HK$846/mo
Today · 4.125%
HK$32,777
baseline
▲ 0.50% · 4.625%
HK$34,504
+HK$1,727/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,554/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,611
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$1,031/mo
Today · 4.125%
HK$34,656
baseline
▲ 0.50% · 4.625%
HK$36,765
+HK$2,109/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,312/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,279
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,252
−HK$987/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,255
+HK$2,016/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,928
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,233
−HK$1,325/mo
Today · 4.125%
HK$44,558
baseline
▲ 0.50% · 4.625%
HK$47,269
+HK$2,711/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,116/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,645
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,896
−HK$1,269/mo
Today · 4.125%
HK$49,165
baseline
▲ 0.50% · 4.625%
HK$51,756
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,330/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$383,075 · Scale 2, in force from 26 Feb 2026)