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$24,007
−HK$736/mo
Today · 4.125%
HK$24,743
baseline
▲ 0.50% · 4.625%
HK$26,248
+HK$1,505/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$382,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,902
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,596
−HK$705/mo
Today · 4.125%
HK$27,301
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,439/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,602/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$382,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,939
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,808
−HK$883/mo
Today · 4.125%
HK$29,691
baseline
▲ 0.50% · 4.625%
HK$31,498
+HK$1,807/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$59,382/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,082
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,915
−HK$846/mo
Today · 4.125%
HK$32,761
baseline
▲ 0.50% · 4.625%
HK$34,488
+HK$1,727/mo
Deposit HK$4.08M · loan HK$6.13M · min. income ≈ HK$65,522/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$382,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,596
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,609
−HK$1,031/mo
Today · 4.125%
HK$34,640
baseline
▲ 0.50% · 4.625%
HK$36,747
+HK$2,107/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$69,280/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,262
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,235
−HK$986/mo
Today · 4.125%
HK$38,221
baseline
▲ 0.50% · 4.625%
HK$40,236
+HK$2,015/mo
Deposit HK$3.06M · loan HK$7.15M · min. income ≈ HK$76,442/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$382,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,909
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,212
−HK$1,325/mo
Today · 4.125%
HK$44,537
baseline
▲ 0.50% · 4.625%
HK$47,247
+HK$2,710/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$89,074/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,623
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,873
−HK$1,269/mo
Today · 4.125%
HK$49,142
baseline
▲ 0.50% · 4.625%
HK$51,732
+HK$2,590/mo
Deposit HK$1.02M · loan HK$9.19M · min. income ≈ HK$98,284/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$382,894 · Scale 2, in force from 26 Feb 2026)