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$23,141
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,861
−HK$731/mo
Today · 4.125%
HK$24,592
baseline
▲ 0.50% · 4.625%
HK$26,088
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,184/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,744
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,435
−HK$700/mo
Today · 4.125%
HK$27,135
baseline
▲ 0.50% · 4.625%
HK$28,565
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,270/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,769
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,633
−HK$877/mo
Today · 4.125%
HK$29,510
baseline
▲ 0.50% · 4.625%
HK$31,306
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,020/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,893
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,721
−HK$841/mo
Today · 4.125%
HK$32,562
baseline
▲ 0.50% · 4.625%
HK$34,278
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,124/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,397
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,405
−HK$1,024/mo
Today · 4.125%
HK$34,429
baseline
▲ 0.50% · 4.625%
HK$36,524
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,858/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,042
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,008
−HK$981/mo
Today · 4.125%
HK$37,989
baseline
▲ 0.50% · 4.625%
HK$39,991
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,978/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,654
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,949
−HK$1,317/mo
Today · 4.125%
HK$44,266
baseline
▲ 0.50% · 4.625%
HK$46,959
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,532/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,339
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,582
−HK$1,261/mo
Today · 4.125%
HK$48,843
baseline
▲ 0.50% · 4.625%
HK$51,417
+HK$2,574/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,686/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,565 · Scale 2, in force from 26 Feb 2026)