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$23,097
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,815
−HK$730/mo
Today · 4.125%
HK$24,545
baseline
▲ 0.50% · 4.625%
HK$26,039
+HK$1,494/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,090/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,695
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,384
−HK$699/mo
Today · 4.125%
HK$27,083
baseline
▲ 0.50% · 4.625%
HK$28,511
+HK$1,428/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,166/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,716
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,578
−HK$876/mo
Today · 4.125%
HK$29,454
baseline
▲ 0.50% · 4.625%
HK$31,247
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,908/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,834
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,661
−HK$839/mo
Today · 4.125%
HK$32,500
baseline
▲ 0.50% · 4.625%
HK$34,213
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,000/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,336
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,342
−HK$1,021/mo
Today · 4.125%
HK$34,363
baseline
▲ 0.50% · 4.625%
HK$36,454
+HK$2,091/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,726/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,973
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,938
−HK$979/mo
Today · 4.125%
HK$37,917
baseline
▲ 0.50% · 4.625%
HK$39,915
+HK$1,998/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,834/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,574
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,868
−HK$1,314/mo
Today · 4.125%
HK$44,182
baseline
▲ 0.50% · 4.625%
HK$46,870
+HK$2,688/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,364/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,251
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,492
−HK$1,258/mo
Today · 4.125%
HK$48,750
baseline
▲ 0.50% · 4.625%
HK$51,320
+HK$2,570/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,500/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,842 · Scale 2, in force from 26 Feb 2026)