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$23,112
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,830
−HK$731/mo
Today · 4.125%
HK$24,561
baseline
▲ 0.50% · 4.625%
HK$26,055
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,122/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,711
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,401
−HK$700/mo
Today · 4.125%
HK$27,101
baseline
▲ 0.50% · 4.625%
HK$28,529
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,202/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,734
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,597
−HK$876/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,854
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,681
−HK$840/mo
Today · 4.125%
HK$32,521
baseline
▲ 0.50% · 4.625%
HK$34,235
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,042/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$380,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,356
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,363
−HK$1,022/mo
Today · 4.125%
HK$34,385
baseline
▲ 0.50% · 4.625%
HK$36,477
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,770/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,996
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,961
−HK$980/mo
Today · 4.125%
HK$37,941
baseline
▲ 0.50% · 4.625%
HK$39,941
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,882/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,601
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,895
−HK$1,315/mo
Today · 4.125%
HK$44,210
baseline
▲ 0.50% · 4.625%
HK$46,900
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,420/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,281
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,522
−HK$1,259/mo
Today · 4.125%
HK$48,781
baseline
▲ 0.50% · 4.625%
HK$51,352
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,562/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,082 · Scale 2, in force from 26 Feb 2026)