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$23,119
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,838
−HK$731/mo
Today · 4.125%
HK$24,569
baseline
▲ 0.50% · 4.625%
HK$26,064
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,138/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,719
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$700/mo
Today · 4.125%
HK$27,109
baseline
▲ 0.50% · 4.625%
HK$28,538
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,218/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,743
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,606
−HK$876/mo
Today · 4.125%
HK$29,482
baseline
▲ 0.50% · 4.625%
HK$31,276
+HK$1,794/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,964/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,863
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,691
−HK$840/mo
Today · 4.125%
HK$32,531
baseline
▲ 0.50% · 4.625%
HK$34,246
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,062/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,366
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,373
−HK$1,023/mo
Today · 4.125%
HK$34,396
baseline
▲ 0.50% · 4.625%
HK$36,489
+HK$2,093/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,792/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,007
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,973
−HK$980/mo
Today · 4.125%
HK$37,953
baseline
▲ 0.50% · 4.625%
HK$39,953
+HK$2,000/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,906/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,614
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,908
−HK$1,315/mo
Today · 4.125%
HK$44,223
baseline
▲ 0.50% · 4.625%
HK$46,914
+HK$2,691/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,446/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,295
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,537
−HK$1,259/mo
Today · 4.125%
HK$48,796
baseline
▲ 0.50% · 4.625%
HK$51,368
+HK$2,572/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,592/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,201 · Scale 2, in force from 26 Feb 2026)