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$23,063
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,780
−HK$729/mo
Today · 4.125%
HK$24,509
baseline
▲ 0.50% · 4.625%
HK$26,000
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,018/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,657
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,345
−HK$698/mo
Today · 4.125%
HK$27,043
baseline
▲ 0.50% · 4.625%
HK$28,469
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,086/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,675
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,536
−HK$875/mo
Today · 4.125%
HK$29,411
baseline
▲ 0.50% · 4.625%
HK$31,200
+HK$1,789/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,822/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,789
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,614
−HK$838/mo
Today · 4.125%
HK$32,452
baseline
▲ 0.50% · 4.625%
HK$34,163
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,904/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$379,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,292
−HK$1,021/mo
Today · 4.125%
HK$34,313
baseline
▲ 0.50% · 4.625%
HK$36,400
+HK$2,087/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,626/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,920
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,883
−HK$978/mo
Today · 4.125%
HK$37,861
baseline
▲ 0.50% · 4.625%
HK$39,856
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,722/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,513
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,804
−HK$1,312/mo
Today · 4.125%
HK$44,116
baseline
▲ 0.50% · 4.625%
HK$46,801
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,232/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,183
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,421
−HK$1,257/mo
Today · 4.125%
HK$48,678
baseline
▲ 0.50% · 4.625%
HK$51,244
+HK$2,566/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,356/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,280 · Scale 2, in force from 26 Feb 2026)