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$23,182
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,904
−HK$732/mo
Today · 4.125%
HK$24,636
baseline
▲ 0.50% · 4.625%
HK$26,135
+HK$1,499/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,272/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,790
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$702/mo
Today · 4.125%
HK$27,184
baseline
▲ 0.50% · 4.625%
HK$28,617
+HK$1,433/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,368/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$381,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,819
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,684
−HK$879/mo
Today · 4.125%
HK$29,563
baseline
▲ 0.50% · 4.625%
HK$31,362
+HK$1,799/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$59,126/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,948
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,778
−HK$842/mo
Today · 4.125%
HK$32,620
baseline
▲ 0.50% · 4.625%
HK$34,340
+HK$1,720/mo
Deposit HK$4.07M · loan HK$6.10M · min. income ≈ HK$65,240/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$381,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,455
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,465
−HK$1,026/mo
Today · 4.125%
HK$34,491
baseline
▲ 0.50% · 4.625%
HK$36,589
+HK$2,098/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$68,982/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,106
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,075
−HK$982/mo
Today · 4.125%
HK$38,057
baseline
▲ 0.50% · 4.625%
HK$40,063
+HK$2,006/mo
Deposit HK$3.05M · loan HK$7.12M · min. income ≈ HK$76,114/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$381,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,728
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,026
−HK$1,319/mo
Today · 4.125%
HK$44,345
baseline
▲ 0.50% · 4.625%
HK$47,043
+HK$2,698/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$88,690/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,422
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,668
−HK$1,263/mo
Today · 4.125%
HK$48,931
baseline
▲ 0.50% · 4.625%
HK$51,510
+HK$2,579/mo
Deposit HK$1.02M · loan HK$9.15M · min. income ≈ HK$97,862/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$381,248 · Scale 2, in force from 26 Feb 2026)