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$23,064
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,781
−HK$729/mo
Today · 4.125%
HK$24,510
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,020/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,658
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$698/mo
Today · 4.125%
HK$27,045
baseline
▲ 0.50% · 4.625%
HK$28,470
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,090/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,677
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$874/mo
Today · 4.125%
HK$29,412
baseline
▲ 0.50% · 4.625%
HK$31,202
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,824/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,790
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,616
−HK$838/mo
Today · 4.125%
HK$32,454
baseline
▲ 0.50% · 4.625%
HK$34,164
+HK$1,710/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,908/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,290
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,294
−HK$1,020/mo
Today · 4.125%
HK$34,314
baseline
▲ 0.50% · 4.625%
HK$36,402
+HK$2,088/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,628/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,922
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,885
−HK$978/mo
Today · 4.125%
HK$37,863
baseline
▲ 0.50% · 4.625%
HK$39,858
+HK$1,995/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,726/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,515
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,807
−HK$1,312/mo
Today · 4.125%
HK$44,119
baseline
▲ 0.50% · 4.625%
HK$46,803
+HK$2,684/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,238/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,185
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,424
−HK$1,257/mo
Today · 4.125%
HK$48,681
baseline
▲ 0.50% · 4.625%
HK$51,247
+HK$2,566/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,362/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,300 · Scale 2, in force from 26 Feb 2026)