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$23,106
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,825
−HK$730/mo
Today · 4.125%
HK$24,555
baseline
▲ 0.50% · 4.625%
HK$26,049
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,110/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,705
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,395
−HK$699/mo
Today · 4.125%
HK$27,094
baseline
▲ 0.50% · 4.625%
HK$28,522
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,188/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,727
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,590
−HK$876/mo
Today · 4.125%
HK$29,466
baseline
▲ 0.50% · 4.625%
HK$31,259
+HK$1,793/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,932/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,846
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,673
−HK$840/mo
Today · 4.125%
HK$32,513
baseline
▲ 0.50% · 4.625%
HK$34,226
+HK$1,713/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,026/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,348
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,355
−HK$1,022/mo
Today · 4.125%
HK$34,377
baseline
▲ 0.50% · 4.625%
HK$36,469
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,754/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,987
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,952
−HK$979/mo
Today · 4.125%
HK$37,931
baseline
▲ 0.50% · 4.625%
HK$39,931
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,862/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,591
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,884
−HK$1,315/mo
Today · 4.125%
HK$44,199
baseline
▲ 0.50% · 4.625%
HK$46,888
+HK$2,689/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,398/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,269
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,510
−HK$1,259/mo
Today · 4.125%
HK$48,769
baseline
▲ 0.50% · 4.625%
HK$51,340
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,538/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,990 · Scale 2, in force from 26 Feb 2026)