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$23,155
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,875
−HK$732/mo
Today · 4.125%
HK$24,607
baseline
▲ 0.50% · 4.625%
HK$26,104
+HK$1,497/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$49,214/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,760
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,451
−HK$701/mo
Today · 4.125%
HK$27,152
baseline
▲ 0.50% · 4.625%
HK$28,583
+HK$1,431/mo
Deposit HK$5.08M · loan HK$5.08M · min. income ≈ HK$54,304/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$380,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,786
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,650
−HK$879/mo
Today · 4.125%
HK$29,529
baseline
▲ 0.50% · 4.625%
HK$31,325
+HK$1,796/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$59,058/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,912
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,741
−HK$841/mo
Today · 4.125%
HK$32,582
baseline
▲ 0.50% · 4.625%
HK$34,299
+HK$1,717/mo
Deposit HK$4.06M · loan HK$6.09M · min. income ≈ HK$65,164/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$380,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,417
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,425
−HK$1,025/mo
Today · 4.125%
HK$34,450
baseline
▲ 0.50% · 4.625%
HK$36,546
+HK$2,096/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$68,900/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,064
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,031
−HK$981/mo
Today · 4.125%
HK$38,012
baseline
▲ 0.50% · 4.625%
HK$40,016
+HK$2,004/mo
Deposit HK$3.05M · loan HK$7.11M · min. income ≈ HK$76,024/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$380,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,679
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,317/mo
Today · 4.125%
HK$44,293
baseline
▲ 0.50% · 4.625%
HK$46,988
+HK$2,695/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$88,586/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,368
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,611
−HK$1,262/mo
Today · 4.125%
HK$48,873
baseline
▲ 0.50% · 4.625%
HK$51,449
+HK$2,576/mo
Deposit HK$1.02M · loan HK$9.14M · min. income ≈ HK$97,746/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$380,798 · Scale 2, in force from 26 Feb 2026)