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$23,194
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,915
−HK$733/mo
Today · 4.125%
HK$24,648
baseline
▲ 0.50% · 4.625%
HK$26,148
+HK$1,500/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$49,296/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,803
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,495
−HK$702/mo
Today · 4.125%
HK$27,197
baseline
▲ 0.50% · 4.625%
HK$28,631
+HK$1,434/mo
Deposit HK$5.09M · loan HK$5.09M · min. income ≈ HK$54,394/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$381,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,833
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,698
−HK$880/mo
Today · 4.125%
HK$29,578
baseline
▲ 0.50% · 4.625%
HK$31,378
+HK$1,800/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,156/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,964
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,794
−HK$842/mo
Today · 4.125%
HK$32,636
baseline
▲ 0.50% · 4.625%
HK$34,357
+HK$1,721/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,272/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,471
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,481
−HK$1,027/mo
Today · 4.125%
HK$34,508
baseline
▲ 0.50% · 4.625%
HK$36,607
+HK$2,099/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$69,016/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,124
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,093
−HK$983/mo
Today · 4.125%
HK$38,076
baseline
▲ 0.50% · 4.625%
HK$40,083
+HK$2,007/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,152/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,749
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,048
−HK$1,319/mo
Today · 4.125%
HK$44,367
baseline
▲ 0.50% · 4.625%
HK$47,067
+HK$2,700/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,734/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,445
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,691
−HK$1,264/mo
Today · 4.125%
HK$48,955
baseline
▲ 0.50% · 4.625%
HK$51,535
+HK$2,580/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,910/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,435 · Scale 2, in force from 26 Feb 2026)