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$23,215
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,938
−HK$733/mo
Today · 4.125%
HK$24,671
baseline
▲ 0.50% · 4.625%
HK$26,172
+HK$1,501/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,342/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,827
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,520
−HK$702/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,657
+HK$1,435/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,859
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$881/mo
Today · 4.125%
HK$29,606
baseline
▲ 0.50% · 4.625%
HK$31,407
+HK$1,801/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$59,212/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,992
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,824
−HK$843/mo
Today · 4.125%
HK$32,667
baseline
▲ 0.50% · 4.625%
HK$34,389
+HK$1,722/mo
Deposit HK$4.07M · loan HK$6.11M · min. income ≈ HK$65,334/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,502
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,513
−HK$1,027/mo
Today · 4.125%
HK$34,540
baseline
▲ 0.50% · 4.625%
HK$36,641
+HK$2,101/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$69,080/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,158
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,128
−HK$983/mo
Today · 4.125%
HK$38,111
baseline
▲ 0.50% · 4.625%
HK$40,120
+HK$2,009/mo
Deposit HK$3.05M · loan HK$7.13M · min. income ≈ HK$76,222/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$381,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,788
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,088
−HK$1,320/mo
Today · 4.125%
HK$44,408
baseline
▲ 0.50% · 4.625%
HK$47,110
+HK$2,702/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$88,816/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,489
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,735
−HK$1,265/mo
Today · 4.125%
HK$49,000
baseline
▲ 0.50% · 4.625%
HK$51,583
+HK$2,583/mo
Deposit HK$1.02M · loan HK$9.16M · min. income ≈ HK$98,000/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,791 · Scale 2, in force from 26 Feb 2026)