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$23,124
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,844
−HK$731/mo
Today · 4.125%
HK$24,575
baseline
▲ 0.50% · 4.625%
HK$26,070
+HK$1,495/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,150/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,726
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,416
−HK$700/mo
Today · 4.125%
HK$27,116
baseline
▲ 0.50% · 4.625%
HK$28,545
+HK$1,429/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,232/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$380,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,612
−HK$877/mo
Today · 4.125%
HK$29,489
baseline
▲ 0.50% · 4.625%
HK$31,284
+HK$1,795/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$58,978/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,871
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,699
−HK$840/mo
Today · 4.125%
HK$32,539
baseline
▲ 0.50% · 4.625%
HK$34,254
+HK$1,715/mo
Deposit HK$4.06M · loan HK$6.08M · min. income ≈ HK$65,078/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,381
−HK$1,023/mo
Today · 4.125%
HK$34,404
baseline
▲ 0.50% · 4.625%
HK$36,498
+HK$2,094/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$68,808/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,016
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,982
−HK$980/mo
Today · 4.125%
HK$37,962
baseline
▲ 0.50% · 4.625%
HK$39,963
+HK$2,001/mo
Deposit HK$3.04M · loan HK$7.10M · min. income ≈ HK$75,924/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$380,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,624
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,919
−HK$1,315/mo
Today · 4.125%
HK$44,234
baseline
▲ 0.50% · 4.625%
HK$46,926
+HK$2,692/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$88,468/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,306
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,548
−HK$1,260/mo
Today · 4.125%
HK$48,808
baseline
▲ 0.50% · 4.625%
HK$51,381
+HK$2,573/mo
Deposit HK$1.01M · loan HK$9.13M · min. income ≈ HK$97,616/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$380,294 · Scale 2, in force from 26 Feb 2026)