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$23,158
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,878
−HK$732/mo
Today · 4.125%
HK$24,610
baseline
▲ 0.50% · 4.625%
HK$26,107
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,220/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,763
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,454
−HK$700/mo
Today · 4.125%
HK$27,154
baseline
▲ 0.50% · 4.625%
HK$28,586
+HK$1,432/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,308/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,789
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,654
−HK$878/mo
Today · 4.125%
HK$29,532
baseline
▲ 0.50% · 4.625%
HK$31,329
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,064/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,915
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,744
−HK$841/mo
Today · 4.125%
HK$32,585
baseline
▲ 0.50% · 4.625%
HK$34,303
+HK$1,718/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,170/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,421
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,429
−HK$1,025/mo
Today · 4.125%
HK$34,454
baseline
▲ 0.50% · 4.625%
HK$36,550
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,908/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,068
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,035
−HK$981/mo
Today · 4.125%
HK$38,016
baseline
▲ 0.50% · 4.625%
HK$40,020
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,032/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,684
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,980
−HK$1,318/mo
Today · 4.125%
HK$44,298
baseline
▲ 0.50% · 4.625%
HK$46,993
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,596/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,373
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,616
−HK$1,262/mo
Today · 4.125%
HK$48,878
baseline
▲ 0.50% · 4.625%
HK$51,455
+HK$2,577/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,756/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,840 · Scale 2, in force from 26 Feb 2026)