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$23,200
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,921
−HK$734/mo
Today · 4.125%
HK$24,655
baseline
▲ 0.50% · 4.625%
HK$26,155
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,310/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,809
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,502
−HK$702/mo
Today · 4.125%
HK$27,204
baseline
▲ 0.50% · 4.625%
HK$28,638
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,408/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,840
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,706
−HK$879/mo
Today · 4.125%
HK$29,585
baseline
▲ 0.50% · 4.625%
HK$31,386
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,170/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,971
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,802
−HK$843/mo
Today · 4.125%
HK$32,645
baseline
▲ 0.50% · 4.625%
HK$34,365
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,290/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,480
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,490
−HK$1,026/mo
Today · 4.125%
HK$34,516
baseline
▲ 0.50% · 4.625%
HK$36,617
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,032/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,133
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,102
−HK$983/mo
Today · 4.125%
HK$38,085
baseline
▲ 0.50% · 4.625%
HK$40,093
+HK$2,008/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,170/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,759
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,058
−HK$1,320/mo
Today · 4.125%
HK$44,378
baseline
▲ 0.50% · 4.625%
HK$47,078
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,756/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,457
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,703
−HK$1,264/mo
Today · 4.125%
HK$48,967
baseline
▲ 0.50% · 4.625%
HK$51,548
+HK$2,581/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$97,934/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,531 · Scale 2, in force from 26 Feb 2026)