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$23,166
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,887
−HK$732/mo
Today · 4.125%
HK$24,619
baseline
▲ 0.50% · 4.625%
HK$26,117
+HK$1,498/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,238/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,772
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,463
−HK$701/mo
Today · 4.125%
HK$27,164
baseline
▲ 0.50% · 4.625%
HK$28,596
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,328/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,799
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,664
−HK$878/mo
Today · 4.125%
HK$29,542
baseline
▲ 0.50% · 4.625%
HK$31,340
+HK$1,798/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$59,084/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,926
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,756
−HK$841/mo
Today · 4.125%
HK$32,597
baseline
▲ 0.50% · 4.625%
HK$34,315
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.10M · min. income ≈ HK$65,194/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,441
−HK$1,025/mo
Today · 4.125%
HK$34,466
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$2,097/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,932/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,081
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$982/mo
Today · 4.125%
HK$38,030
baseline
▲ 0.50% · 4.625%
HK$40,035
+HK$2,005/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,060/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,699
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,996
−HK$1,318/mo
Today · 4.125%
HK$44,314
baseline
▲ 0.50% · 4.625%
HK$47,010
+HK$2,696/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,628/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,390
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,634
−HK$1,262/mo
Today · 4.125%
HK$48,896
baseline
▲ 0.50% · 4.625%
HK$51,473
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,792/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,978 · Scale 2, in force from 26 Feb 2026)