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$23,136
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,856
−HK$731/mo
Today · 4.125%
HK$24,587
baseline
▲ 0.50% · 4.625%
HK$26,083
+HK$1,496/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,174/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,739
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$701/mo
Today · 4.125%
HK$27,130
baseline
▲ 0.50% · 4.625%
HK$28,560
+HK$1,430/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,260/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,764
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,627
−HK$878/mo
Today · 4.125%
HK$29,505
baseline
▲ 0.50% · 4.625%
HK$31,300
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,010/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,887
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,715
−HK$841/mo
Today · 4.125%
HK$32,556
baseline
▲ 0.50% · 4.625%
HK$34,272
+HK$1,716/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,112/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,391
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,399
−HK$1,023/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,517
+HK$2,095/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,844/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,035
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,001
−HK$981/mo
Today · 4.125%
HK$37,982
baseline
▲ 0.50% · 4.625%
HK$39,984
+HK$2,002/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,964/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,646
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,941
−HK$1,316/mo
Today · 4.125%
HK$44,257
baseline
▲ 0.50% · 4.625%
HK$46,950
+HK$2,693/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,514/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,330
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,573
−HK$1,260/mo
Today · 4.125%
HK$48,833
baseline
▲ 0.50% · 4.625%
HK$51,408
+HK$2,575/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,666/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,492 · Scale 2, in force from 26 Feb 2026)