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$23,077
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,795
−HK$730/mo
Today · 4.125%
HK$24,525
baseline
▲ 0.50% · 4.625%
HK$26,017
+HK$1,492/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,050/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,673
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,362
−HK$699/mo
Today · 4.125%
HK$27,061
baseline
▲ 0.50% · 4.625%
HK$28,487
+HK$1,426/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,122/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,693
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,554
−HK$876/mo
Today · 4.125%
HK$29,430
baseline
▲ 0.50% · 4.625%
HK$31,220
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,860/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,808
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,634
−HK$839/mo
Today · 4.125%
HK$32,473
baseline
▲ 0.50% · 4.625%
HK$34,184
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,946/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,308
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,313
−HK$1,021/mo
Today · 4.125%
HK$34,334
baseline
▲ 0.50% · 4.625%
HK$36,424
+HK$2,090/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$68,668/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,943
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,907
−HK$978/mo
Today · 4.125%
HK$37,885
baseline
▲ 0.50% · 4.625%
HK$39,882
+HK$1,997/mo
Deposit HK$3.04M · loan HK$7.08M · min. income ≈ HK$75,770/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,539
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,832
−HK$1,312/mo
Today · 4.125%
HK$44,144
baseline
▲ 0.50% · 4.625%
HK$46,830
+HK$2,686/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$88,288/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,212
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,452
−HK$1,257/mo
Today · 4.125%
HK$48,709
baseline
▲ 0.50% · 4.625%
HK$51,276
+HK$2,567/mo
Deposit HK$1.01M · loan HK$9.11M · min. income ≈ HK$97,418/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,522 · Scale 2, in force from 26 Feb 2026)