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$23,283
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,008
−HK$735/mo
Today · 4.125%
HK$24,743
baseline
▲ 0.50% · 4.625%
HK$26,249
+HK$1,506/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,486/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,902
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,597
−HK$705/mo
Today · 4.125%
HK$27,302
baseline
▲ 0.50% · 4.625%
HK$28,741
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,604/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,940
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,809
−HK$883/mo
Today · 4.125%
HK$29,692
baseline
▲ 0.50% · 4.625%
HK$31,499
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,384/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,083
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,917
−HK$845/mo
Today · 4.125%
HK$32,762
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,524/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,597
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,611
−HK$1,030/mo
Today · 4.125%
HK$34,641
baseline
▲ 0.50% · 4.625%
HK$36,748
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,282/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,263
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,236
−HK$987/mo
Today · 4.125%
HK$38,223
baseline
▲ 0.50% · 4.625%
HK$40,237
+HK$2,014/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,446/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,910
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,214
−HK$1,324/mo
Today · 4.125%
HK$44,538
baseline
▲ 0.50% · 4.625%
HK$47,248
+HK$2,710/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,076/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,624
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,875
−HK$1,268/mo
Today · 4.125%
HK$49,143
baseline
▲ 0.50% · 4.625%
HK$51,734
+HK$2,591/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,286/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,906 · Scale 2, in force from 26 Feb 2026)