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$23,151
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,871
−HK$732/mo
Today · 4.125%
HK$24,603
baseline
▲ 0.50% · 4.625%
HK$26,100
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,206/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,755
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,446
−HK$701/mo
Today · 4.125%
HK$27,147
baseline
▲ 0.50% · 4.625%
HK$28,577
+HK$1,430/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,294/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,781
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,645
−HK$878/mo
Today · 4.125%
HK$29,523
baseline
▲ 0.50% · 4.625%
HK$31,320
+HK$1,797/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,046/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,906
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,735
−HK$841/mo
Today · 4.125%
HK$32,576
baseline
▲ 0.50% · 4.625%
HK$34,293
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,152/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,411
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,419
−HK$1,025/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,539
+HK$2,095/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,057
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,024
−HK$981/mo
Today · 4.125%
HK$38,005
baseline
▲ 0.50% · 4.625%
HK$40,008
+HK$2,003/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,010/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,672
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,968
−HK$1,317/mo
Today · 4.125%
HK$44,285
baseline
▲ 0.50% · 4.625%
HK$46,979
+HK$2,694/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,570/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,359
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,262/mo
Today · 4.125%
HK$48,864
baseline
▲ 0.50% · 4.625%
HK$51,439
+HK$2,575/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,728/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,728 · Scale 2, in force from 26 Feb 2026)