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$23,104
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,823
−HK$730/mo
Today · 4.125%
HK$24,553
baseline
▲ 0.50% · 4.625%
HK$26,047
+HK$1,494/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$49,106/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,703
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,393
−HK$699/mo
Today · 4.125%
HK$27,092
baseline
▲ 0.50% · 4.625%
HK$28,520
+HK$1,428/mo
Deposit HK$5.07M · loan HK$5.07M · min. income ≈ HK$54,184/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$379,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,725
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$877/mo
Today · 4.125%
HK$29,464
baseline
▲ 0.50% · 4.625%
HK$31,256
+HK$1,792/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$58,928/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,844
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,671
−HK$839/mo
Today · 4.125%
HK$32,510
baseline
▲ 0.50% · 4.625%
HK$34,224
+HK$1,714/mo
Deposit HK$4.05M · loan HK$6.08M · min. income ≈ HK$65,020/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,346
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,352
−HK$1,022/mo
Today · 4.125%
HK$34,374
baseline
▲ 0.50% · 4.625%
HK$36,466
+HK$2,092/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$68,748/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,984
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,950
−HK$979/mo
Today · 4.125%
HK$37,929
baseline
▲ 0.50% · 4.625%
HK$39,928
+HK$1,999/mo
Deposit HK$3.04M · loan HK$7.09M · min. income ≈ HK$75,858/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$379,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,588
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,881
−HK$1,314/mo
Today · 4.125%
HK$44,195
baseline
▲ 0.50% · 4.625%
HK$46,885
+HK$2,690/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$88,390/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,266
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,507
−HK$1,258/mo
Today · 4.125%
HK$48,765
baseline
▲ 0.50% · 4.625%
HK$51,336
+HK$2,571/mo
Deposit HK$1.01M · loan HK$9.12M · min. income ≈ HK$97,530/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,961 · Scale 2, in force from 26 Feb 2026)