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$23,286
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,010
−HK$736/mo
Today · 4.125%
HK$24,746
baseline
▲ 0.50% · 4.625%
HK$26,252
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,492/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,905
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,600
−HK$705/mo
Today · 4.125%
HK$27,305
baseline
▲ 0.50% · 4.625%
HK$28,744
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,610/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,943
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,812
−HK$883/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,502
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,086
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,920
−HK$846/mo
Today · 4.125%
HK$32,766
baseline
▲ 0.50% · 4.625%
HK$34,493
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,532/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,600
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,614
−HK$1,030/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,752
+HK$2,108/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,267
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,240
−HK$986/mo
Today · 4.125%
HK$38,226
baseline
▲ 0.50% · 4.625%
HK$40,241
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,452/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,914
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,218
−HK$1,325/mo
Today · 4.125%
HK$44,543
baseline
▲ 0.50% · 4.625%
HK$47,253
+HK$2,710/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,086/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,629
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,880
−HK$1,268/mo
Today · 4.125%
HK$49,148
baseline
▲ 0.50% · 4.625%
HK$51,739
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,296/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,945 · Scale 2, in force from 26 Feb 2026)