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$23,304
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,029
−HK$737/mo
Today · 4.125%
HK$24,766
baseline
▲ 0.50% · 4.625%
HK$26,273
+HK$1,507/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$49,532/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,926
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,621
−HK$705/mo
Today · 4.125%
HK$27,326
baseline
▲ 0.50% · 4.625%
HK$28,767
+HK$1,441/mo
Deposit HK$5.11M · loan HK$5.11M · min. income ≈ HK$54,652/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$383,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,965
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,835
−HK$884/mo
Today · 4.125%
HK$29,719
baseline
▲ 0.50% · 4.625%
HK$31,527
+HK$1,808/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$59,438/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,111
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,945
−HK$847/mo
Today · 4.125%
HK$32,792
baseline
▲ 0.50% · 4.625%
HK$34,520
+HK$1,728/mo
Deposit HK$4.09M · loan HK$6.13M · min. income ≈ HK$65,584/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$383,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,626
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,641
−HK$1,031/mo
Today · 4.125%
HK$34,672
baseline
▲ 0.50% · 4.625%
HK$36,782
+HK$2,110/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$69,344/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,296
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,269
−HK$988/mo
Today · 4.125%
HK$38,257
baseline
▲ 0.50% · 4.625%
HK$40,274
+HK$2,017/mo
Deposit HK$3.07M · loan HK$7.15M · min. income ≈ HK$76,514/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$383,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,948
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,252
−HK$1,326/mo
Today · 4.125%
HK$44,578
baseline
▲ 0.50% · 4.625%
HK$47,291
+HK$2,713/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$89,156/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,666
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,918
−HK$1,269/mo
Today · 4.125%
HK$49,187
baseline
▲ 0.50% · 4.625%
HK$51,780
+HK$2,593/mo
Deposit HK$1.02M · loan HK$9.20M · min. income ≈ HK$98,374/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$383,250 · Scale 2, in force from 26 Feb 2026)